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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 33664 · IL F · 22/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-UNDER · TEXAS-UNK · ROA-THIN · SIZE-REGIONAL · BOOK-RICH

  • GRADE-F F (22/100)
  • BOTTOM-DECILE #4293/4307
  • PHOTO-FINISH Mizrahi Tefahot Bank… · CA
  • TIER1-UNDER 0.0% Tier 1
  • TEXAS-UNK Texas blank
  • ROA-THIN 0.00% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-RICH 7/9 fields

Nearest health peer outside Illinois: Mizrahi Tefahot Bank, Ltd., CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around State Bank of India

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of China · NY · near22/100Bank of India · NY · near22/100Metropolitan Bank an… · NY ·…22/100Mizrahi Tefahot Bank… · CA ·…22/100State Bank of India · IL · t…22/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around State Bank of India · July 2026

Call Report read for State Bank of India in a high-failure state

State Bank of India (FDIC Cert #33664) carries a PlainBankData health grade of F at 22/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,293 of 4,307. Tier 1 capital prints at 0.00%, missing the 10% well-capitalized line. Return on assets is 0.00%. Balance-sheet scale is $4.8B, 298th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mizrahi Tefahot Bank, Ltd. (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around State Bank of India

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

State Bank of India sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about State Bank of India's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

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.

0/100100/100National avg77/10022/100
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 Assets

$4.8B

Total balance-sheet footings

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

0% 0.3% 0.6% 0.9% 1.2% 1.5% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 0% 0% 1.4%
Basel III capital ratios - State Bank of India

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

22 0th percentile higher than 0% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). This entry sits in this band. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. State Bank of India 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at State Bank of India

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
-

What these ratios mean →

Profitability metrics: State Bank of India

Return on Assets (ROA)
5th percentile nationally
0.00%
Return on Equity (ROE)
0.00%
Efficiency Ratio
0.00%

What these mean →

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.

FDIC Failed Bank List → View State Bank of India on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($4.8B here), outside Illinois so the neighborhood is not state containment.

Bank of Stockton $4.8B · CA Celtic Bank $4.8B · UT Five Star Bank $4.8B · CA Coastal Community Bank $4.7B · WA

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.

State Bank of India Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
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%