STATE BANK OF BEMENT

BEMENT, IL | Small | Est. Jan. 17, 1914, midnight | FDIC #10855 | RSSD #439730 | FDIC
Latest Report: 2025-12-31

STATE BANK OF BEMENT is asn small FDIC-insured commercial bank headquartered in BEMENT, IL, established in Jan. 17, 1914, midnight. As of 2025-12-31, the bank reported total assets of $186M and total deposits of $158M. Profitability stands at 0.83% ROA and 8.48% ROE, with a net interest margin of 4.17%. The bank's CET1 capital ratio is 9.24%. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.14%. FDIC Certificate #10855.

Assets

$186M

Deposits

$158M

Loans

$119M

Equity

$18M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 8.48%
Net Interest Margin (NIM) 4.17%
Yield on Assets 5.56%
Cost of Funds 1.43%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.48%
Texas Ratio 1.14%
NPA Ratio 0.12%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 9.24%
Tier 1 Capital 9.24%
Total Capital Ratio 9.71%
Leverage Ratio 10.05%
Loan-to-Deposit 75.35%

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