State Bank of Cherry: 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 16.44 percentage points in Q2 2026, from 256.07% to 272.51%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, State Bank of Cherry is 245th of 323 on return on assets, 0.76% as of Q2 2026, below the middle of the field. State Bank of Cherry reported 0.76% on return on assets for Q2 2026, 0.50 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.63% |
| Equity capital to assets | 11.19% |
| Tangible equity to tangible assets | 11.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 1.97% |
| Texas ratio | 3.13% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 272.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 6.79% |
| Net interest margin | 3.39% |
| Efficiency ratio | 69.35% |
| Yield on earning assets | 5.17% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.30% |
| Core deposits to total deposits | 85.69% |
| Brokered deposits to total deposits | 0.95% |
| Deposits to assets | 76.65% |
| Securities to assets | 27.31% |
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 | 11.76% | 1.90% | 3.73% | 2.16% | -0.00% |
| Q4 2023 | 11.95% | 2.02% | 4.12% | 0.45% | -0.01% |
| Q1 2024 | 12.09% | 1.67% | 3.58% | 0.56% | 0.01% |
| Q2 2024 | 12.02% | 1.64% | 3.50% | 0.53% | 0.09% |
| Q3 2024 | 12.21% | 1.77% | 3.81% | 0.38% | 0.65% |
| Q4 2024 | 12.24% | 1.82% | 3.69% | 0.32% | 0.10% |
| Q1 2025 | 12.14% | 1.66% | 3.78% | 0.01% | 0.00% |
| Q2 2025 | 11.96% | 1.70% | 3.72% | 0.01% | 0.00% |
| Q3 2025 | 11.87% | 1.43% | 3.73% | 0.01% | 0.00% |
| Q4 2025 | 11.93% | 1.01% | 3.49% | 0.75% | 1.44% |
| Q1 2026 | 11.55% | 1.02% | 3.38% | 0.68% | 0.27% |
| Q2 2026 | 11.63% | 0.76% | 3.39% | 0.50% | 1.97% |
State Bank of Cherry vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Cherry, 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 Cherry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11686) · FFIEC NIC profile (RSSD 258539)