State Bank of Industry: 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 95.74 percentage points in Q3 2026, from 399.16% to 494.90%. It was the largest change from Q2 2026 among the key lines here. Within Illinois, State Bank of Industry is 98th of 323 on return on assets, 1.48% as of Q3 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, State Bank of Industry reported 1.48% on return on assets in Q3 2026, 0.50 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.44% |
| Equity capital to assets | 12.27% |
| Tangible equity to tangible assets | 12.27% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.92% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 494.90% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 12.04% |
| Net interest margin | 3.43% |
| Efficiency ratio | 54.13% |
| Yield on earning assets | 5.26% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 68.23% |
| Core deposits to total deposits | 83.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.16% |
| Securities to assets | 24.40% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 22.20% | 22.20% | 23.00% | 15.07% | 0.19% |
| Q1 2024 | 21.76% | 21.76% | 22.69% | 14.62% | 0.89% |
| Q2 2024 | 20.75% | 20.75% | 21.66% | 14.65% | 1.03% |
| Q3 2024 | 20.99% | 20.99% | 21.87% | 14.76% | 1.33% |
| Q4 2024 | — | — | — | 14.29% | 0.47% |
| Q1 2025 | — | — | — | 13.64% | 1.19% |
| Q2 2025 | — | — | — | 13.45% | 0.99% |
| Q3 2025 | — | — | — | 14.03% | 1.24% |
| Q4 2025 | — | — | — | 14.57% | 0.95% |
| Q1 2026 | — | — | — | 13.96% | 1.24% |
| Q2 2026 | — | — | — | 14.21% | 1.13% |
| Q3 2026 | — | — | — | 14.44% | 1.48% |
State Bank of Industry vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Industry, 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 Industry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10820) · FFIEC NIC profile (RSSD 944935)