State Bank of India
Chicago, Illinois · FDIC Cert #33664
This is the FDIC profile for State Bank of India, an FDIC-insured bank (Certificate #33664) with $3.5B in total assets and $2.7B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Chicago, Illinois, the bank maintains a Tier 1 capital ratio of Not reported (Not reported) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of C (50/100) based on quarterly FDIC filings. 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 C (50/100) 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
- Not reported
- Capital Status
- Not reported
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 5.39%
- Return on Assets
- 0.00%
- Headquarters
- Chicago, Illinois
- FDIC Certificate
- #33664
- Health Grade
- C (50/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
State Bank of India files quarterly Call Reports with the FDIC under Certificate #33664. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
Track State Bank of India
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, State Bank of India holds a Tier 1 capital ratio of Not reported. This ratio is not reported in the latest FDIC call report — common for banks on the Community Bank Leverage Ratio framework — so the capital factor is excluded from State Bank of India's health score.
Key Financial Metrics
What This Means For Your Money
State Bank of India shows average financial health. While not alarming, its Health Score of 50/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 50 is 31 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its Tier 1 capital ratio is not reported in the latest FDIC call report, so it is excluded from the score. 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 405 similarly-sized banks, the average Health Score is 78, meaning this bank ranks below its size cohort. Site-wide, State Bank of India is 30 points below the portfolio average of 80.
Frequently Asked Questions
State Bank of India has a Bank Health Score of C (50/100), placing it in average financial health. Its Tier 1 capital ratio is not reported in its latest FDIC call report. 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 Not reported and nonperforming loan ratio of 0.00% indicate an average 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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #33664 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
State Bank of India has a Tier 1 capital ratio of Not reported, classifying it as "Not reported." 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. 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's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.