Banks STATE BANK OF BEMENT

STATE BANK OF BEMENT

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

STATE BANK OF BEMENT is an 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%. CET1 capital ratio: 9.24%. NPL ratio: 0.18% · Texas Ratio: 1.14%.

Assets
$186M
Deposits
$158M
Loans
$119M
Equity
$18M

Profitability

Return on Assets (ROA)0.83%
Return on Equity (ROE)8.48%
Net Interest Margin4.17%
Yield on Assets5.56%
Cost of Funds1.43%

Asset Quality

NPL Ratio0.18%
Net Charge-Off Ratio0.48%
Texas Ratio1.14%
NPA Ratio0.12%
ACL / Loans0.85%

Capital & Liquidity

CET1 Ratio9.24%
Tier 1 Capital9.24%
Total Capital Ratio9.71%
Leverage Ratio10.05%
Loan-to-Deposit75.35%

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