The State Bank of Pearl City: 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 172.71 percentage points in Q2 2026, from 170.65% to 343.36%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The State Bank of Pearl City is 196th of 323 on return on assets, 1.04% as of Q2 2026, below the middle of the field. The State Bank of Pearl City reported 1.04% on return on assets for Q2 2026, 0.05 points above the 0.98% median for banks in the < $100M 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 | 11.31% |
| Equity capital to assets | 10.11% |
| Tangible equity to tangible assets | 10.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.69% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -1.47% |
| Texas ratio | 2.76% |
| Allowance for credit losses to loans | 2.38% |
| Reserve coverage of non-performing loans | 343.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 9.94% |
| Net interest margin | 3.85% |
| Efficiency ratio | 71.22% |
| Yield on earning assets | 5.02% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.56% |
| Core deposits to total deposits | 94.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.52% |
| Securities to assets | 26.18% |
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 | 9.83% | 1.00% | 3.25% | 0.07% | 0.20% |
| Q4 2023 | 9.49% | -0.65% | 3.24% | 0.05% | 0.19% |
| Q1 2024 | 9.43% | 0.28% | 2.71% | 0.04% | 0.11% |
| Q2 2024 | 9.18% | 0.50% | 2.70% | 0.19% | 1.12% |
| Q3 2024 | 8.73% | 0.56% | 3.09% | 0.19% | 1.48% |
| Q4 2024 | 9.67% | -0.60% | 3.06% | 0.73% | 0.88% |
| Q1 2025 | 10.51% | 0.17% | 3.46% | 0.26% | 0.90% |
| Q2 2025 | 10.92% | 0.21% | 3.46% | 0.53% | 1.63% |
| Q3 2025 | 10.16% | 0.57% | 3.45% | 0.60% | 1.28% |
| Q4 2025 | 10.26% | -0.85% | 3.53% | 0.85% | 6.35% |
| Q1 2026 | 11.12% | 0.39% | 3.90% | 1.20% | 1.05% |
| Q2 2026 | 11.31% | 1.04% | 3.85% | 0.69% | -1.47% |
The State Bank of Pearl City vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Pearl City, 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 Pearl City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16344) · FFIEC NIC profile (RSSD 923949)