State Bank of India
Chicago, Illinois · FDIC Cert #33664
State Bank of India is an FDIC-insured bank (Certificate #33664) with $3.5B in total assets and $2.7B in total deposits as of the Q2 2024 Call Report. Headquartered in Chicago, Illinois, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of F (32/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
State Bank of India (FDIC cert 33664) is a mid-sized bank with $3.5B in total assets and $2.7B in deposits, based in Chicago, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 5.4% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is minimal: ROA of 0.00% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. State Bank of India carries a composite BankHealth grade of F (32/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: State Bank of India
- Total Assets
- $3.5B
- Total Deposits
- $2.7B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 5.39%
- Return on Assets
- 0.00%
- Headquarters
- Chicago, Illinois
- FDIC Certificate
- #33664
- Health Grade
- F (32/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, State Bank of India holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject State Bank of India to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
State Bank of India shows some financial weakness with a Health Score of 32/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How State Bank of India Compares
State Bank of India’s Health Score of 32 is 40 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.00% is below the national ROA benchmark of ~1.1%. Among 406 similarly-sized banks, the average Health Score is 73, meaning this bank ranks below its size cohort. Site-wide, State Bank of India is 38 points below the portfolio average of 70.
Frequently Asked Questions
State Bank of India has a Bank Health Score of F (32/100), placing it in weak financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. State Bank of India's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.00% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at State Bank of India is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33664). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
State Bank of India holds $3.5B in total assets and $2.7B in total deposits. It is headquartered in Chicago, Illinois (FDIC Certificate #33664).
State Bank of India has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 0.00%.
Yes. State Bank of India is FDIC-insured (Certificate #33664). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An F grade on our Bank Health Score means below 40/100 — significant weakness on multiple metrics; depositors above the FDIC limit should be especially vigilant. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
State Bank of India shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.