STATE BANK OF CHERRY

CHERRY, IL | Small | Est. May 6, 1906, midnight | FDIC #11686 | RSSD #258539 | FDIC
Latest Report: 2025-12-31

STATE BANK OF CHERRY is asn small FDIC-insured commercial bank headquartered in CHERRY, IL, established in May 6, 1906, midnight. As of 2025-12-31, the bank reported total assets of $138M and total deposits of $107M. Profitability stands at 1.01% ROA and 8.69% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 11.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.75% and a Texas Ratio of 13.90%. FDIC Certificate #11686.

Assets

$138M

Deposits

$107M

Loans

$100M

Equity

$16M

Profitability

Return on Assets (ROA) 1.01%
Return on Equity (ROE) 8.69%
Net Interest Margin (NIM) 3.65%
Yield on Assets 5.61%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 0.75%
Net Charge-Off Ratio 0.35%
Texas Ratio 13.90%
NPA Ratio 1.79%
ACL / Loans 1.65%

Capital & Liquidity

CET1 Ratio 11.70%
Tier 1 Capital 11.70%
Total Capital Ratio 12.28%
Leverage Ratio 11.93%
Loan-to-Deposit 92.91%

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