State Bank
Freeport, IL · Cert 35169 · Peer group: banks under $1B in assets in IL (n=154-156)
FDIC · 1 branch
Q1 2025
$385.9MAssets
$296.3MLoans
$310.0MDeposits
$35.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 61 of 154).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets in IL (rank 136 of 156).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.26%
Rank 33 of 156
Net Interest Margin
3.08%
Rank 82 of 156
Efficiency Ratio
51.09%
Rank 19 of 156
Equity / Assets
9.09%
Rank 95 of 156
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 88% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.61% | 0.93% | 1.19% | Beats 79% | 33 / 156 | |
| Return on Equity | 13.90% | 5.90% | 8.68% | 12.03% | Beats 85% | 24 / 156 | |
| Net Interest Margin | 3.08% | 2.75% | 3.10% | 3.49% | Beats 47% | 82 / 156 | |
| Efficiency Ratio | 51.09% | 58.94% | 67.23% | 77.57% | Beats 88% | 19 / 156 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.13% | 0.50% | 1.45% | Beats 66% | 53 / 154 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 61 / 154 | |
| Capital |
| Tier 1 Capital Ratio | 10.59% | 11.30% | 13.66% | 19.18% | Beats 15% | 132 / 156 | |
| Total Risk-Based Capital Ratio | 10.59% | 11.67% | 14.05% | 20.23% | Beats 13% | 136 / 156 | |
| Equity / Assets | 9.09% | 8.34% | 9.63% | 11.92% | Beats 39% | 95 / 156 | |
| Liquidity & Funding |
| Loans / Deposits | 95.57% | 52.66% | 70.99% | 79.51% | 95th pctl | 8 / 154 | |
| Loans / Assets | 76.79% | 46.87% | 60.57% | 67.70% | 91st pctl | 14 / 154 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |