Total Assets
$304M
Total balance-sheet footings
FDIC Cert #12706 · Waterloo, Illinois · Est. 1894
State Bank - FDIC Bank Health Profile
A community-scale look at State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $304M
- Total assets
- C
- Health grade · Fair
- 0.56%
- Return on assets
- 10.2%
- Tier 1 capital
Data updated July 2026
The verdict
State Bank earns a PlainBankData health grade of C (56/100), with well-capitalized at 10.25% Tier 1, 0.56% ROA, 75% efficiency ratio.
- #2,471
- largest of 4,313 FDIC banks by assets
- 43rd
- percentile by asset size, nationally
- 10.25%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How State Bank's 56/100 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's composite health score
Tier 1 Capital Ratio (10.25%) 28/40
Return on Assets (ROA) (0.56%) 14/25
Texas Ratio (26.33%) 10/20
Efficiency Ratio (75.38%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$261M
Customer-funded liabilities
Net Loans
$198M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank's score of 56/100 falls in the highlighted band.
State Bank'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's $304M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.25%
Texas Ratio
26.33%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.56%
Return on Equity (ROE)
8.23%
Efficiency Ratio
75.38%
What the numbers say about State Bank
State Bank is an FDIC-insured institution (Certificate #12706) headquartered in Waterloo, Illinois, established in 1894. It holds $304M in total assets - 2,471st of 4,313 FDIC-insured banks, $261M in customer deposits, and $198M in net loans. Capital-wise, the Tier 1 ratio sits at 10.25%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 26.33%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
State Bank sits 157th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$15M
Interest Income
$3M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. State Bank reports a Texas Ratio of 26.33% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
26.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) State Bank (FDIC Cert #12706) - 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's health grade?▼
State Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is State Bank?▼
State Bank holds $304M in total assets and $261M in deposits, ranking 2,471st of 4,313 FDIC-insured banks by asset size. It is headquartered in Waterloo, Illinois.
Is my money safe at State Bank?▼
Yes, deposits at State Bank (Certificate #12706) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is State Bank's Tier 1 Capital Ratio?▼
State Bank has a Tier 1 Capital Ratio of 10.25%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for State Bank?▼
State Bank has a Texas Ratio of 26.33%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is State Bank?▼
State Bank has an Efficiency Ratio of 75.38%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read State Bank's profile as a depositor or analyst.
- State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare State Bank 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.