State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 23.56 percentage points in Q2 2026, from 28.98% to 52.54%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, State Bank is 275th of 323 on return on assets, 0.52% as of Q2 2026. State Bank's return on assets of 0.52% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.74 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.54% |
| Tier 1 risk-based capital ratio | 10.54% |
| Total risk-based capital ratio | 11.41% |
| Tier 1 leverage ratio | 9.23% |
| Equity capital to assets | 7.66% |
| Tangible equity to tangible assets | 7.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.08% |
| Non-performing assets ratio | 2.52% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 29.89% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 52.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.52% |
| Return on equity | 6.82% |
| Net interest margin | 3.41% |
| Efficiency ratio | 79.85% |
| Yield on earning assets | 5.29% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.50% |
| Core deposits to total deposits | 90.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.24% |
| Securities to assets | 17.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.56% | 10.56% | 11.68% | 8.15% | 0.42% |
| Q4 2023 | 10.46% | 10.46% | 11.58% | 7.99% | 0.13% |
| Q1 2024 | 10.61% | 10.61% | 11.74% | 8.02% | 0.12% |
| Q2 2024 | 10.49% | 10.49% | 11.74% | 7.87% | -0.61% |
| Q3 2024 | 11.04% | 11.04% | 12.11% | 8.13% | -0.08% |
| Q4 2024 | 11.08% | 11.08% | 12.13% | 8.29% | 0.32% |
| Q1 2025 | 11.10% | 11.10% | 12.12% | 8.69% | 0.13% |
| Q2 2025 | 10.95% | 10.95% | 11.95% | 8.94% | 1.11% |
| Q3 2025 | 10.88% | 10.88% | 11.87% | 9.02% | 0.65% |
| Q4 2025 | 10.25% | 10.25% | 11.35% | 8.80% | 0.35% |
| Q1 2026 | 10.60% | 10.60% | 11.47% | 9.05% | 0.31% |
| Q2 2026 | 10.54% | 10.54% | 11.41% | 9.23% | 0.52% |
State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12706) · FFIEC NIC profile (RSSD 266244)