State Bank of Industry
BankRegReports is independent of State Bank of Industry and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
State Bank of Industry is an FDIC-insured commercial bank headquartered in Industry, IL, established in 1901 (FDIC certificate 10820), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $64.3M, down 3.2% from Q2 2025, the 285th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.21% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10820
- Headquarters
- Industry, IL
- Established
- 1901
- Total assets, Q2 2026
- $64.3M
- Assets vs Q2 2025
- -3.2%
- Tier 1 leverage ratio, Q2 2026
- 14.21%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071113719
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Industry call report
- Asset rank in state
- 285th of 319 in Illinois
State Bank of Industry, based in Industry, Illinois, reported $64 million in assets at June 30, 2026, down 3.2% from a year earlier. It lost 5.3% of its deposits over the year, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 2.5%). It also keeps 3.26 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
Loans and deposits moved in opposite directions: over the year loans rose 1.3% and deposits fell 5.3%. The commercial and industrial book ($5.6 million) is worsening: 1.70% of it is past due or on nonaccrual, up from 0.23% a year earlier. Funding is the softer spot: it pays an average of 2.08% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, State Bank of Industry reported a return on assets of 1.13%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 1.90%. The figures come from its call report filed with the FFIEC.
State Bank of Industry ranks as the 285th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.0% to $64.3M, loans fell 1.5% and deposits fell 4.8%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 30.7% of total loans, ahead of farmland and other real estate loans at 26.6%. Its one office in the FDIC Summary of Deposits is in Industry, IL. Judged on its Q2 2026 call report, State Bank of Industry meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Main St, Industry, IL 61440
- County
- Mcdonough
- Metro Area
- Macomb, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 25, 1901
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $55.6M
- Allowance for credit losses
- $475K
- Net charge-offs (YTD)
- $18K
- Average total assets
- $66.7M
- Average total loans
- $38.4M
- Average interest-bearing deposits
- $50.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10820
- Fed RSSD
- 944935
- Website
- www.statebankofindustry.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, State Bank of Industry reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
State Bank of Industry's total assets moved between a low of $56.1M (Q3 2023) and a high of $67.4M (Q1 2025) 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
$64.3M total assets against $66.5M; $55.9M total liabilities against $59.0M.
$37.8M net loans and leases against $37.3M; $55.6M total deposits against $58.7M.
$16.2M securities against $14.8M; $8.7M cash and balances due against $12.8M.
$808K total interest income against $822K; $292K total interest expense against $333K.
$516K net interest income against $489K.
$31K total noninterest income against $32K; $359K total noninterest expense against $354K.
$0 provision for credit losses against $0.
$188K net income against $167K.
1.13% return on assets against 0.99%; 3.26% net interest margin against 3.03%.
14.21% tier 1 leverage ratio against 13.45%.
Inside the full State Bank of Industry terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Bank of Industry rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.47% (Q4 2024) to 1.33% (Q3 2024) and its net interest margin ran from 2.90% (Q4 2024) to 3.29% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.21% | 1.13% | 0.44% | 1.90% | 3.26% |
| Q1 2026 | 13.96% | 1.24% | 0.30% | 1.30% | 3.29% |
| Q4 2025 | 14.57% | 0.95% | 0.88% | 4.06% | 3.27% |
| Q3 2025 | 14.03% | 1.24% | 0.85% | 3.71% | 3.15% |
| Q2 2025 | 13.45% | 0.99% | 0.41% | 1.96% | 3.03% |
| Q1 2025 | 13.64% | 1.19% | 0.09% | 0.43% | 2.99% |
| Q4 2024 | 14.29% | 0.47% | 0.34% | 1.60% | 2.90% |
| Q3 2024 | 14.76% | 1.33% | 0.30% | 1.41% | 2.94% |
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 |
|---|---|---|---|
| State Bank of Industry (main office) | Industry , IL | 61440 | $55.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 339 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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
Add this badge to your website
Free to use. It shows State Bank of Industry’s latest filed figures and updates each quarter.
Similar banks
Compare State Bank of Industry with peers
Frequently asked about State Bank of Industry
What are State Bank of Industry's total assets?
As of the Q2 2026 filing, State Bank of Industry reported total assets of $64.3 million in its FFIEC call report.
Where is State Bank of Industry headquartered?
It is headquartered in Industry, IL, United States.
When was State Bank of Industry founded?
It was established in 1901, per the FDIC institution directory.
Is State Bank of Industry FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10820). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Industry?
State Bank of Industry's primary federal regulator is the FDIC.
How many branches does State Bank of Industry 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 State Bank of Industry's Texas Ratio?
Its Texas Ratio is 1.90% 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.
Go deeper on State Bank of Industry.
Get an email when State Bank of Industry files its next call report, and benchmark it against any peer you choose.
Unlock State Bank of Industry, freeFree account