State Bank of Pearl City, The
Pearl City, IL · Cert 16344 · Peer group: banks under $1B in assets in IL (n=149-151) · Pearl City Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$73.4MAssets
$32.6MLoans
$65.7MDeposits
$7.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 70% of banks under $1B in assets in IL (rank 46 of 151).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in IL (rank 142 of 149).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.53%
Rank 127 of 151
Net Interest Margin
3.71%
Rank 46 of 151
Efficiency Ratio
72.50%
Rank 114 of 151
Equity / Assets
10.11%
Rank 90 of 151
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 25% 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 | 0.53% | 0.70% | 1.03% | 1.34% | Beats 16% | 127 / 151 | | |
| Return on Equity | 5.29% | 6.74% | 9.34% | 12.94% | Beats 20% | 121 / 151 | | |
| Net Interest Margin | 3.71% | 3.02% | 3.43% | 3.83% | Beats 70% | 46 / 151 | | |
| Efficiency Ratio | 72.50% | 54.64% | 64.89% | 72.50% | Beats 25% | 114 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.20% | 0.66% | 1.77% | Beats 49% | 77 / 149 | | |
| Net Charge-Offs / Loans | 0.38% | 0.00% | 0.02% | 0.07% | Beats 5% | 142 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 11.31% | 11.83% | 14.17% | 18.66% | Beats 17% | 125 / 151 | | |
| Total Risk-Based Capital Ratio | 11.31% | 12.22% | 14.54% | 19.92% | Beats 15% | 129 / 151 | | |
| Equity / Assets | 10.11% | 9.10% | 10.65% | 12.40% | Beats 40% | 90 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.56% | 54.39% | 71.02% | 80.75% | 15th pctl | 126 / 149 | | |
| Loans / Assets | 44.37% | 45.91% | 61.31% | 68.01% | 18th pctl | 124 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |