STATE BANK

WATERLOO, IL | Small | Est. Jan. 4, 1894, midnight | FDIC #12706 | RSSD #266244 | FDIC
Latest Report: 2025-12-31

STATE BANK is asn small FDIC-insured commercial bank headquartered in WATERLOO, IL, established in Jan. 4, 1894, midnight. As of 2025-12-31, the bank reported total assets of $304M and total deposits of $261M. Profitability stands at 0.35% ROA and 4.82% ROE, with a net interest margin of 3.12%. The bank's CET1 capital ratio is 10.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.24% and a Texas Ratio of 26.33%. FDIC Certificate #12706.

Assets

$304M

Deposits

$261M

Loans

$201M

Equity

$22M

Profitability

Return on Assets (ROA) 0.35%
Return on Equity (ROE) 4.82%
Net Interest Margin (NIM) 3.12%
Yield on Assets 5.27%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 3.24%
Net Charge-Off Ratio 0.04%
Texas Ratio 26.33%
NPA Ratio 2.14%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 10.25%
Tier 1 Capital 10.25%
Total Capital Ratio 11.35%
Leverage Ratio 8.80%
Loan-to-Deposit 77.11%

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