Total Assets
$4.8B
Total balance-sheet footings
FDIC Cert #33664 · Chicago, Illinois · Est. 1955
State Bank of India - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $4.8B
- Total assets
- F
- Health grade · At Risk
- 0.00%
- Return on assets
- 0.0%
- Tier 1 capital
Data updated July 2026
The verdict
State Bank of India earns a PlainBankData health grade of F (22/100), with 0.00% Tier 1 capital, 0.00% ROA, efficient (0% cost ratio).
- #298
- largest of 4,313 FDIC banks by assets
- 93rd
- percentile by asset size, nationally
- 0.00%
- Tier 1 ratio - below the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How State Bank of India's 22/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
State Bank of India's composite health score
Tier 1 Capital Ratio (0.00%) 0/40
Return on Assets (ROA) (0.00%) 7/25
Texas Ratio (N/A) 0/20
Efficiency Ratio (0.00%) 15/15
22 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.2B
Customer-funded liabilities
Net Loans
$4.4B
Outstanding loan book
Net Income
$0K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where State Bank of India ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank of India's score of 22/100 falls in the highlighted band.
State Bank of India's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). State Bank of India's $4.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
0.00%
Texas Ratio
-
Equity Capital
-
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
0.00%
Return on Equity (ROE)
0.00%
Efficiency Ratio
0.00%
What the numbers say about State Bank of India
State Bank of India is an FDIC-insured institution (Certificate #33664) headquartered in Chicago, Illinois, established in 1955. It holds $4.8B in total assets - 298th of 4,313 FDIC-insured banks, $3.2B in customer deposits, and $4.4B in net loans. Capital-wise, the Tier 1 ratio sits at 0.00%, falling short of the federal 10% well-capitalized bar. That combination rolls up into a PlainBankData health grade of F (22 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, State Bank of India sits in the top decile of all FDIC-insured institutions by asset size (298th of 4,313), and within Illinois it ranks 16th of 330 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Barrington Bank & Trust Company, at $4.8B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
What to watch at State Bank of India
State Bank of India's grade of F reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 0.00% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at State Bank of India up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) State Bank of India (FDIC Cert #33664) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is State Bank of India's health grade?▼
State Bank of India receives a health grade of F (22/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is State Bank of India?▼
State Bank of India holds $4.8B in total assets and $3.2B in deposits, ranking 298th of 4,313 FDIC-insured banks by asset size. It is headquartered in Chicago, Illinois.
Is my money safe at State Bank of India?▼
Yes, deposits at State Bank of India (Certificate #33664) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is State Bank of India's Tier 1 Capital Ratio?▼
State Bank of India has a Tier 1 Capital Ratio of 0.00%. Regulators set the "well-capitalized" bar at 10%, and this bank falls short of even the 6% "adequately capitalized" floor.
How efficient is State Bank of India?▼
State Bank of India has an Efficiency Ratio of 0.00%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read State Bank of India's profile as a depositor or analyst.
- State Bank of India's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare State Bank of India against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.