The State Bank of Geneva: 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.
Loan-to-deposit ratio climbed 2.95 percentage points in Q2 2026, from 75.69% to 78.64%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The State Bank of Geneva is 269th of 323 on return on assets, 0.58% as of Q2 2026, below the middle of the field. The State Bank of Geneva's return on assets of 0.58% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.47% |
| Tier 1 risk-based capital ratio | 17.47% |
| Total risk-based capital ratio | 18.73% |
| Tier 1 leverage ratio | 11.81% |
| Equity capital to assets | 11.10% |
| Tangible equity to tangible assets | 11.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.50% |
| Allowance for credit losses to loans | 1.94% |
| Reserve coverage of non-performing loans | 1615.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 5.51% |
| Net interest margin | 3.42% |
| Efficiency ratio | 86.72% |
| Yield on earning assets | 5.06% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.64% |
| Core deposits to total deposits | 79.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.57% |
| Securities to assets | 17.16% |
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 | 19.96% | 19.96% | 21.21% | 11.88% | 1.23% |
| Q4 2023 | 19.64% | 19.64% | 20.90% | 12.07% | 1.07% |
| Q1 2024 | 19.74% | 19.74% | 21.00% | 12.30% | 1.05% |
| Q2 2024 | 19.60% | 19.60% | 20.86% | 12.50% | 1.10% |
| Q3 2024 | 19.79% | 19.79% | 21.05% | 12.57% | 1.27% |
| Q4 2024 | 19.12% | 19.12% | 20.37% | 12.10% | 0.64% |
| Q1 2025 | 19.06% | 19.06% | 20.32% | 12.26% | 0.33% |
| Q2 2025 | 18.88% | 18.88% | 20.13% | 11.53% | 0.65% |
| Q3 2025 | 18.55% | 18.55% | 19.81% | 11.64% | 0.75% |
| Q4 2025 | 17.80% | 17.80% | 19.06% | 11.44% | 0.78% |
| Q1 2026 | 17.33% | 17.33% | 18.59% | 11.59% | 0.77% |
| Q2 2026 | 17.47% | 17.47% | 18.73% | 11.81% | 0.58% |
The State Bank of Geneva vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Geneva, 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 The State Bank of Geneva profile, peer group comparison, or how this data updates.
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