STATE BANK OF PEARL CITY
PEARL CITY, ILLINOIS · FDIC Cert #16344
Capital & Safety Analysis
According to FDIC financial data, STATE BANK OF PEARL CITY holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject STATE BANK OF PEARL CITY to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
STATE BANK OF PEARL CITY shows average financial health. While not alarming, its Health Score of 56/100 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.
Frequently Asked Questions
STATE BANK OF PEARL CITY has a Bank Health Score of C (56/100). 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.
STATE BANK OF PEARL CITY holds $88M in total assets and $81M in total deposits. It is located in PEARL CITY, ILLINOIS (FDIC Certificate #16344).
STATE BANK OF PEARL CITY has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.53%, and the return on assets is 0.42%.
Yes. STATE BANK OF PEARL CITY is FDIC-insured (Certificate #16344). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.