The State Bank of Geneva
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Data as of · sourced from FFIEC call reports. How we update
The State Bank of Geneva is an FDIC-insured commercial bank headquartered in Geneva, IL, established in 1903 (FDIC certificate 925), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $116.2M, down 3.5% from Q2 2025, the 252nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 17.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 925
- Headquarters
- Geneva, IL
- Established
- 1903
- Total assets, Q2 2026
- $116.2M
- Assets vs Q2 2025
- -3.5%
- CET1 ratio, Q2 2026
- 17.47%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071905817
- Latest call report
- Q2 2026, FFIEC 051 · The State Bank of Geneva call report
- Holding company
- GENEVA BANCSHARES, INC.
- Asset rank in state
- 252nd of 319 in Illinois
The State Bank of Geneva spends more to run itself than most banks of its size. The Geneva, Illinois bank had $116 million in assets at June 30, 2026, down 3.5% from a year earlier. It spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also lost 1.9% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Net income for the quarter slipped 10% from a year earlier, to $177,000. Over the same year, loans grew 10.4% and deposits shrank 1.9%. Profitability lags: it earns about $0.58 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, The State Bank of Geneva reported a CET1 capital ratio of 17.47%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 4.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The State Bank of Geneva is the 252nd largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 6.7% to $116.2M, loans fell 1.3% and deposits fell 5.0%. 1-4 family residential loans made up 33.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 26.5%. The FDIC Summary of Deposits lists a single office for it, in Geneva, IL. Judged on its Q2 2026 call report, The State Bank of Geneva meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 22 S 4th St, Geneva, IL 60134
- County
- Kane
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $102.9M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $121.3M
- Average total loans
- $80.1M
- Average interest-bearing deposits
- $74.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 925
- Fed RSSD
- 991135
- Website
- www.sbgeneva.com →
- Parent Holding Company
- GENEVA BANCSHARES, INC. (RSSD 1136924)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
The State Bank of Geneva's total assets moved between a low of $105.2M (Q3 2023) and a high of $124.5M (Q1 2026) from Q3 2023 to Q2 2026, 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
$116.2M total assets against $120.4M; $103.3M total liabilities against $108.2M.
$79.3M net loans and leases against $72.0M; $102.9M total deposits against $104.8M.
$19.9M securities against $22.9M; $12.9M cash and balances due against $21.4M.
$1.5M total interest income against $1.4M; $490K total interest expense against $467K.
$1.0M net interest income against $960K.
$336K total noninterest income against $338K; $1.2M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$177K net income against $197K.
0.58% return on assets against 0.65%; 3.42% net interest margin against 3.29%.
17.47% CET1 capital ratio against 18.88%; 11.81% tier 1 leverage ratio against 11.53%.
Inside the full The State Bank of Geneva terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe State Bank of Geneva rankings
Its closest position to the top of a national ranking is 538 of 2,134, for CET1 ratio; its furthest is 3,410 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.33% (Q1 2025) to 1.27% (Q3 2024) and its net interest margin ran from 3.16% (Q1 2025) to 3.53% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.47% | 0.58% | 0.16% | 4.50% | 3.42% |
| Q1 2026 | 17.33% | 0.77% | 0.15% | 4.52% | 3.23% |
| Q4 2025 | 17.80% | 0.78% | 0.16% | 4.57% | 3.39% |
| Q3 2025 | 18.55% | 0.75% | 0.13% | 4.43% | 3.31% |
| Q2 2025 | 18.88% | 0.65% | 0.14% | 4.63% | 3.29% |
| Q1 2025 | 19.06% | 0.33% | 0.14% | 4.76% | 3.16% |
| Q4 2024 | 19.12% | 0.64% | 0.14% | 4.88% | 3.49% |
| Q3 2024 | 19.79% | 1.27% | 0.82% | 8.15% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The State Bank of Geneva | Geneva , IL | 60134 | $102.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- September 10, 2012, Federal Reserve: Written Agreement: The State Bank of Geneva, Geneva, Illinois
- Period: Most recent institution action September 10, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 294 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 14 applications, 11 loans originated, $2.8M originated, across 1 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, 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 The State Bank of Geneva
What are The State Bank of Geneva's total assets?
As of the Q2 2026 filing, The State Bank of Geneva reported total assets of $116.2 million in its FFIEC call report.
Where is The State Bank of Geneva headquartered?
It is headquartered in Geneva, IL, United States.
When was The State Bank of Geneva founded?
It was established in 1903, per the FDIC institution directory.
Is The State Bank of Geneva FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #925). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The State Bank of Geneva?
The State Bank of Geneva's primary federal regulator is the Federal Reserve.
What is The State Bank of Geneva's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The State Bank of Geneva operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The State Bank of Geneva's Texas Ratio?
Its Texas Ratio is 4.50% 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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