State Bank of Bement: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 76.97 percentage points higher than in Q1 2026, at 652.11%. State Bank of Bement ranks 259th of 323 Illinois banks on return on assets, in the lower half at 0.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. State Bank of Bement sits 0.61 points lower, at 0.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.19% |
| Equity capital to assets | 10.03% |
| Tangible equity to tangible assets | 9.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.06% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 652.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.64% |
| Return on equity | 6.45% |
| Net interest margin | 3.97% |
| Efficiency ratio | 70.91% |
| Yield on earning assets | 5.31% |
| Cost of funds | 0.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.90% |
| Core deposits to total deposits | 85.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.41% |
| Securities to assets | 25.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.04% | 0.87% | 4.32% | 0.44% | 0.01% |
| Q4 2023 | 9.84% | 1.01% | 3.79% | 0.38% | 0.04% |
| Q1 2024 | 9.92% | 0.79% | 3.43% | 0.29% | 0.00% |
| Q2 2024 | 10.22% | 0.62% | 3.64% | 1.74% | 0.08% |
| Q3 2024 | 10.11% | 0.55% | 3.80% | 1.56% | -0.02% |
| Q4 2024 | 9.70% | 0.50% | 4.11% | 1.09% | 1.16% |
| Q1 2025 | 10.01% | 0.48% | 3.66% | 1.18% | 0.20% |
| Q2 2025 | 10.45% | 0.59% | 4.04% | 0.72% | -0.20% |
| Q3 2025 | 10.31% | 0.79% | 4.12% | 0.16% | 1.95% |
| Q4 2025 | 10.05% | 0.84% | 4.09% | 0.18% | 0.11% |
| Q1 2026 | 9.91% | 0.71% | 3.86% | 0.17% | 0.12% |
| Q2 2026 | 10.19% | 0.64% | 3.97% | 0.17% | -0.01% |
State Bank of Bement vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bement, 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 of Bement profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10855) · FFIEC NIC profile (RSSD 439730)