STATE BANK OF INDUSTRY

INDUSTRY, IL | Micro | Est. March 25, 1901, midnight | FDIC #10820 | RSSD #944935 | FDIC
Latest Report: 2025-12-31

STATE BANK OF INDUSTRY is amn micro FDIC-insured commercial bank headquartered in INDUSTRY, IL, established in March 25, 1901, midnight. As of 2025-12-31, the bank reported total assets of $62M and total deposits of $54M. Profitability stands at 0.98% ROA and 7.50% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 13.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.28% and a Texas Ratio of 1.30%. FDIC Certificate #10820. The institution operates 1 domestic branch.

Assets

$62M

Deposits

$54M

Loans

$40M

Equity

$8M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 7.50%
Net Interest Margin (NIM) 3.43%
Yield on Assets 5.49%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 0.28%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.30%
NPA Ratio 0.18%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 13.15%
Tier 1 Capital 13.15%
Total Capital Ratio 13.81%
Leverage Ratio 14.57%
Loan-to-Deposit 74.66%

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