State Bank of Cherry
Cherry, IL · Cert 11686 · Peer group: banks under $1B in assets in IL (n=149-151) · Cherry Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$137.6MAssets
$93.1MLoans
$105.5MDeposits
$15.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 62% of banks under $1B in assets in IL (rank 58 of 151).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in IL (rank 144 of 149).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.78%
Rank 104 of 151
Net Interest Margin
3.29%
Rank 95 of 151
Efficiency Ratio
66.49%
Rank 88 of 151
Equity / Assets
11.19%
Rank 58 of 151
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 42% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.70% | 1.03% | 1.34% | Beats 31% | 104 / 151 | | |
| Return on Equity | 7.00% | 6.74% | 9.34% | 12.94% | Beats 26% | 111 / 151 | | |
| Net Interest Margin | 3.29% | 3.02% | 3.43% | 3.83% | Beats 37% | 95 / 151 | | |
| Efficiency Ratio | 66.49% | 54.64% | 64.89% | 72.50% | Beats 42% | 88 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.20% | 0.66% | 1.77% | Beats 56% | 66 / 149 | | |
| Net Charge-Offs / Loans | 0.58% | 0.00% | 0.02% | 0.07% | Beats 4% | 144 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 11.83% | 14.17% | 18.66% | Beats 22% | 118 / 151 | | |
| Total Risk-Based Capital Ratio | 11.63% | 12.22% | 14.54% | 19.92% | Beats 18% | 124 / 151 | | |
| Equity / Assets | 11.19% | 9.10% | 10.65% | 12.40% | Beats 62% | 58 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.30% | 54.39% | 71.02% | 80.75% | 87th pctl | 19 / 149 | | |
| Loans / Assets | 67.68% | 45.91% | 61.31% | 68.01% | 74th pctl | 39 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |