State Bank of Bement
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Bement is an FDIC-insured commercial bank headquartered in Bement, IL, established in 1914 (FDIC certificate 10855), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $185.6M, up 8.1% from Q2 2025, the 208th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.19% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10855
- Headquarters
- Bement, IL
- Established
- 1914
- Total assets, Q2 2026
- $185.6M
- Assets vs Q2 2025
- +8.1%
- Tier 1 leverage ratio, Q2 2026
- 10.19%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071107123
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Bement call report
- Holding company
- BEMENT BANCSHARES, INC.
- Asset rank in state
- 208th of 319 in Illinois
State Bank of Bement, based in Bement, Illinois, reported $186 million in assets at June 30, 2026, up 8.1% from a year earlier. It pays an average of 0.94% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it earns about $0.64 a year on every $100 of assets, about half the median of $1.28 for banks its size.
The commercial and industrial book ($28 million) is worsening: 6.06% of it is past due or on nonaccrual, up from 0.68% a year earlier. Deposits are coming in faster than loans: over the year loans rose 2.5% and deposits rose 8.2%. Costs are the weak spot: it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, State Bank of Bement reported a return on assets of 0.64%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 3.06%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank of Bement is the 208th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $185.6M, loans fell 0.8% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 25.9% of total loans, followed by non-owner-occupied commercial real estate loans at 18.9%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IL; its Bement office books 53% of its branch deposits. Judged on its Q2 2026 call report, State Bank of Bement meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 180 E Bodman St, Bement, IL 61813
- County
- Piatt
- Metro Area
- Champaign-Urbana, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 17, 1914
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $165.9M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $185.8M
- Average total loans
- $108.6M
- Average interest-bearing deposits
- $164.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10855
- Fed RSSD
- 439730
- Website
- www.bankbement.com →
- Parent Holding Company
- BEMENT BANCSHARES, INC. (RSSD 1205923)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, State Bank of Bement reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, State Bank of Bement's total assets ran between $170.8M (Q1 2025) and $185.6M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$185.6M total assets against $171.6M; $167.0M total liabilities against $154.3M.
$108.1M net loans and leases against $105.3M; $165.9M total deposits against $153.3M.
$46.6M securities against $45.5M; $20.9M cash and balances due against $11.7M.
$2.3M total interest income against $2.2M; $584K total interest expense against $529K.
$1.7M net interest income against $1.6M.
$168K total noninterest income against $194K; $1.4M total noninterest expense against $1.4M.
$172K provision for credit losses against $180K.
$297K net income against $254K.
0.64% return on assets against 0.59%; 3.97% net interest margin against 4.04%.
10.19% tier 1 leverage ratio against 10.45%.
Inside the full State Bank of Bement terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Bank of Bement rankings
Its closest position to the top of a national ranking is 1,843 of 3,640, for Texas Ratio; its furthest is 3,097 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.48% (Q1 2025) to 0.84% (Q4 2025) and its net interest margin ran from 3.66% (Q1 2025) to 4.12% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.19% | 0.64% | 0.54% | 3.06% | 3.97% |
| Q1 2026 | 9.91% | 0.71% | 0.24% | 1.41% | 3.86% |
| Q4 2025 | 10.05% | 0.84% | 0.23% | 1.50% | 4.09% |
| Q3 2025 | 10.31% | 0.79% | 0.25% | 1.57% | 4.12% |
| Q2 2025 | 10.45% | 0.59% | 0.86% | 5.01% | 4.04% |
| Q1 2025 | 10.01% | 0.48% | 1.39% | 8.73% | 3.66% |
| Q4 2024 | 9.70% | 0.50% | 1.24% | 8.63% | 4.11% |
| Q3 2024 | 10.11% | 0.55% | 2.04% | 12.22% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Bank of Bement (main office) | Bement , IL | 61813 | $88.1M |
| Cerro Gordo Branch | Cerro Gordo , IL | 61818 | $34.3M |
| Monticello Branch | Monticello , IL | 61856 | $32.8M |
| Ivesdale Branch | Ivesdale , IL | 61851 | $10.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 2, 2022 | Structure Change | Acquired State Bank of Cerro Gordo Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 3, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 3, 2011 | Structure Change | Acquired First National Bank of Ivesdale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 244 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 43 applications, 27 loans originated, $3.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about State Bank of Bement
What are State Bank of Bement's total assets?
As of the Q2 2026 filing, State Bank of Bement reported total assets of $185.6 million in its FFIEC call report.
Where is State Bank of Bement headquartered?
It is headquartered in Bement, IL, United States.
When was State Bank of Bement founded?
It was established in 1914, per the FDIC institution directory.
Is State Bank of Bement FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10855). 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 Bement?
State Bank of Bement's primary federal regulator is the FDIC.
How many branches does State Bank of Bement operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Bement's Texas Ratio?
Its Texas Ratio is 3.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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