State Bank of Graymont: 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 Loan-to-deposit ratio: 5.77 percentage points higher than in Q1 2026, at 72.66%. Within Illinois, State Bank of Graymont is 200th of 323 on return on assets, 1.03% as of Q2 2026, below the middle of the field. State Bank of Graymont reported 1.03% on return on assets for Q2 2026, 0.23 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 | 11.77% |
| Equity capital to assets | 11.90% |
| Tangible equity to tangible assets | 11.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.61% |
| Non-performing assets ratio | 2.27% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 18.68% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 33.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 9.04% |
| Net interest margin | 3.10% |
| Efficiency ratio | 61.07% |
| Yield on earning assets | 4.78% |
| Cost of funds | 1.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.66% |
| Core deposits to total deposits | 85.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.61% |
| Securities to assets | 30.30% |
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 | 10.97% | 0.64% | 2.45% | 0.04% | 0.00% |
| Q4 2023 | 10.57% | 0.24% | 2.32% | 0.06% | -0.00% |
| Q1 2024 | 10.55% | 0.53% | 2.32% | 0.06% | 0.02% |
| Q2 2024 | 10.67% | 0.45% | 2.27% | 0.06% | 0.08% |
| Q3 2024 | 10.81% | 0.58% | 2.54% | 0.10% | 0.00% |
| Q4 2024 | 10.64% | 0.13% | 2.40% | 0.53% | -0.03% |
| Q1 2025 | 10.81% | 0.79% | 2.57% | 0.15% | -0.00% |
| Q2 2025 | 10.99% | 0.22% | 2.01% | 3.90% | 0.06% |
| Q3 2025 | 11.61% | 0.83% | 2.80% | 3.80% | -0.03% |
| Q4 2025 | 11.49% | 0.71% | 2.86% | 3.80% | -0.00% |
| Q1 2026 | 11.36% | 0.93% | 2.90% | 3.82% | -0.00% |
| Q2 2026 | 11.77% | 1.03% | 3.10% | 3.61% | -0.02% |
State Bank of Graymont vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Graymont, 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 Graymont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10434) · FFIEC NIC profile (RSSD 937339)