The State Bank of Pearl City
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Data as of · sourced from FFIEC call reports. How we update
The State Bank of Pearl City is an FDIC-insured commercial bank headquartered in Pearl City, IL, supervised by the FDIC, with $73.4M in total assets at Q2 2026, up 0.8% from Q2 2025, the 281st largest of 319 banks headquartered in Illinois. It was established in 1945 and holds FDIC certificate 16344. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.31% 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
- 16344
- Headquarters
- Pearl City, IL
- Established
- 1945
- Total assets, Q2 2026
- $73.4M
- Assets vs Q2 2025
- +0.8%
- Tier 1 leverage ratio, Q2 2026
- 11.31%
- Domestic offices
- 2 · The State Bank of Pearl City branches FDIC institution directory, current count
- Routing number
- 071121992
- Safety and soundness
- Is The State Bank of Pearl City safe?
- Latest call report
- Q2 2026, FFIEC 051 · The State Bank of Pearl City Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- PEARL CITY BANCORP, INC.
- Asset rank in state
- 281st of 319 in Illinois
Problem loans are falling at The State Bank of Pearl City. Its balance sheet stood at $73 million at June 30, 2026; it is based in Pearl City, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.69% of loans from 1.33% a year earlier.
As of June 30, 2026, The State Bank of Pearl City reported a return on assets of 1.04%, a nonperforming-loan ratio of 0.69% and a Texas ratio of 2.76%. The figures come from its call report filed with the FFIEC.
The State Bank of Pearl City ranks as the 281st largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 7.7% to $73.4M, loans rose 1.2% and deposits rose 8.3%. Its loan book on June 30, 2026 was led by auto loans, at 38.4% of total loans, followed by 1-4 family residential loans at 35.3%. Its 2 offices in the FDIC Summary of Deposits are in Pearl City, IL and Mount Carroll, IL; its Pearl City office books 72% of its branch deposits. Judged on its Q2 2026 call report, The State Bank of Pearl City meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 215 S Main St, Pearl City, IL 61062
- County
- Stephenson
- Metro Area
- Freeport, 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
- December 8, 1945
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $65.7M
- Allowance for credit losses
- $776K
- Net charge-offs (YTD)
- -$35K
- Average total assets
- $70.1M
- Average total loans
- $32.3M
- Average interest-bearing deposits
- $47.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 8, 1945
- FDIC Cert
- 16344
- Fed RSSD
- 923949
- Website
- www.pearlcitybank.com →
- Parent Holding Company
- PEARL CITY BANCORP, INC. (RSSD 1246720)
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, The State Bank of Pearl City reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The State Bank of Pearl City's total assets ran between $68.2M (Q1 2026) and $88.0M (Q2 2024), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$73.4M total assets against $72.8M; $66.0M total liabilities against $65.9M.
$31.8M net loans and leases against $31.6M; $65.7M total deposits against $65.6M.
$19.2M securities against $23.1M; $21.0M cash and balances due against $16.7M.
$844K total interest income against $834K; $198K total interest expense against $247K.
$646K net interest income against $587K.
$12K total noninterest income against $14K; $476K total noninterest expense against $464K.
$0 provision for credit losses against $100K.
$182K net income against $37K.
1.04% return on assets against 0.21%; 3.85% net interest margin against 3.46%.
11.31% tier 1 leverage ratio against 10.92%.
Inside the full The State Bank of Pearl City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe State Bank of Pearl City rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.85% (Q4 2025) to 1.04% (Q2 2026) and its net interest margin ran from 3.06% (Q4 2024) to 3.90% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.31% | 1.04% | 0.69% | 2.76% | 3.85% |
| Q1 2026 | 11.12% | 0.39% | 1.30% | 5.31% | 3.90% |
| Q4 2025 | 10.26% | -0.85% | 1.52% | 6.15% | 3.53% |
| Q3 2025 | 10.16% | 0.57% | 1.67% | 6.80% | 3.45% |
| Q2 2025 | 10.92% | 0.21% | 1.33% | 5.58% | 3.46% |
| Q1 2025 | 10.51% | 0.17% | 1.00% | 4.40% | 3.46% |
| Q4 2024 | 9.67% | -0.60% | 1.12% | 5.23% | 3.06% |
| Q3 2024 | 8.73% | 0.56% | 0.58% | 2.68% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 Pearl City | Pearl City , IL | 61062 | $47.3M |
| Mount Carroll Branch | Mount Carroll , IL | 61053 | $18.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 329 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
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Frequently asked about The State Bank of Pearl City
What are The State Bank of Pearl City's total assets?
As of the Q2 2026 filing, The State Bank of Pearl City reported total assets of $73.4 million in its FFIEC call report.
Where is The State Bank of Pearl City headquartered?
It is headquartered in Pearl City, IL, United States.
When was The State Bank of Pearl City founded?
It was established in 1945, per the FDIC institution directory.
Is The State Bank of Pearl City FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16344). 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 Pearl City?
The State Bank of Pearl City's primary federal regulator is the FDIC.
How many branches does The State Bank of Pearl City operate?
It operates 2 domestic offices, 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 Pearl City's Texas Ratio?
Its Texas Ratio is 2.76% 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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