State Bank of Pearl City
Pearl City, Illinois · FDIC Cert #16344
This is the FDIC profile for State Bank of Pearl City, an FDIC-insured bank (Certificate #16344) with $88M in total assets and $81M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Pearl City, Illinois, the bank maintains a Tier 1 capital ratio of 9.18% (Well-Capitalized) and a nonperforming loan ratio of 0.53%. BankHealthData assigns a composite Health Grade of B (75/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
State Bank of Pearl City (FDIC cert 16344) is a community bank — $88M in total assets, $81M in deposits, serving the Pearl City, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.18% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.53% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 58.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.42% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. State Bank of Pearl City carries a composite BankHealth grade of B (75/100) 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 Pearl City
- Total Assets
- $88M
- Total Deposits
- $81M
- Tier 1 Capital Ratio
- 9.18%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.53%
- Liquidity Ratio
- 58.31%
- Return on Assets
- 0.42%
- Headquarters
- Pearl City, Illinois
- FDIC Certificate
- #16344
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
State Bank of Pearl City files quarterly Call Reports with the FDIC under Certificate #16344. 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.
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Capital & Safety Analysis
According to FDIC financial data, State Bank of Pearl City holds a Tier 1 capital ratio of 9.18%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning State Bank of Pearl City has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
State Bank of Pearl City shows strong financial health indicators. With $88M in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 Pearl City Compares
State Bank of Pearl City’s Health Score of 75 is 6 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its 9.18% Tier 1 capital ratio is 4.8 points below the US banking industry average near 14%. The 0.53% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.42% is below the national ROA benchmark of ~1.1%. Among 994 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, State Bank of Pearl City is 5 points below the portfolio average of 80.
Frequently Asked Questions
State Bank of Pearl City has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.18%, which is above 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 Pearl City's Tier 1 capital ratio of 9.18% and nonperforming loan ratio of 0.53% indicate a low 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 Pearl City is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16344). 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 Pearl City holds $88M in total assets and $81M in total deposits. It is headquartered in Pearl City, Illinois (FDIC Certificate #16344).
State Bank of Pearl City's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #16344 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 Pearl City has a Tier 1 capital ratio of 9.18%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
State Bank of Pearl City's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.