STATE BANK OF PEARL CITY, THE
STATE BANK OF PEARL CITY, THE is an FDIC-insured commercial bank headquartered in PEARL CITY, IL, established in 1945. As of , the bank reported total assets of $69M and total deposits of $62M. Profitability stands at -0.88% ROA and -8.77% ROE, with a net interest margin of 3.68%. CET1 capital ratio: 10.47%, well above regulatory minimums. NPL ratio: 0.85% · Texas Ratio: 3.47%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
State Bank of Pearl City, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.47% | -0.88% | 0.85% | 3.47% | 3.68% |
| 2025-09-30 | 9.57% | 0.59% | 0.60% | 2.45% | 3.39% |
| 2025-06-30 | 9.53% | 0.21% | 0.53% | 2.21% | 3.40% |
| 2025-03-31 | 9.69% | 0.18% | 0.26% | 1.15% | 3.41% |
| 2024-12-31 | 8.62% | -0.61% | 0.73% | 3.40% | 3.02% |
| 2024-09-30 | 8.76% | 0.59% | 0.19% | 0.86% | 3.06% |
| 2024-06-30 | 7.14% | 0.50% | 0.19% | 1.00% | 2.65% |
| 2024-03-31 | 7.57% | 0.28% | 0.04% | 0.23% | 2.69% |
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Frequently asked about STATE BANK OF PEARL CITY, THE
What are State Bank of Pearl City, the's total assets?
As of the Q4 2025 filing, State Bank of Pearl City, the reported total assets of $69.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank of Pearl City, the headquartered?
State Bank of Pearl City, the is headquartered in PEARL CITY, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank of Pearl City, the founded?
State Bank of Pearl City, the was established in 1945, per the FDIC institution directory.
Is State Bank of Pearl City, the FDIC-insured?
Yes. State Bank of Pearl City, the is an FDIC-insured commercial bank (FDIC Certificate #16344). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Pearl City, the?
State Bank of Pearl City, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Bank of Pearl City, the's CET1 capital ratio?
State Bank of Pearl City, the reported a Common Equity Tier 1 (CET1) capital ratio of 10.47% in its most recent quarterly filing — above regulatory minimums.
How many branches does State Bank of Pearl City, the operate?
State Bank of Pearl City, the operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is State Bank of Pearl City, the's Texas Ratio?
State Bank of Pearl City, the's Texas Ratio is 3.47% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.