State Bank of Herscher
Herscher, IL
IDRSSD: 879336
Total Assets
$156.56M
Latest filing
Total Deposits
$139.38M
Latest filing
Net Interest Margin
3.41%
Profitability
Key People
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Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/20/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60941 |
| State and County Number | 17091 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | CHICAGO |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.sbherscher.com |
| Data Updated | 2/13/2026 |
| CERT | 11671 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $156.56M |
| Total Deposits | $139.38M |
| Total Liabilities | $140.27M |
| Total Equity Capital | $16.29M |
| Net Income | $382.00k |
| Net Loans and Leases | $65.35M |
| Assets Per Employee ($Millions) | $7.83M |
| Bank Premises and Fixed Assets | $1.61M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $139.38M |
Key Performance Ratios
| Return on Assets (ROA) | 0.97% |
| Return on Equity (ROE) | 9.71% |
| Net Interest Margin | 3.41% |
| Efficiency Ratio | 63.84% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.406% |
| Earning Assets to total Assets | 91.85% |
Income and Expense
| Total Interest Income | $1.63M |
| Total Noninterest Income | $134.00k |
| Total Interest Expense | $396.00k |
| Total Noninterest Expense | $874.00k |
| Net Interest Income | $1.24M |
| Pre-tax Net Operating Income | $485.00k |
| Provision for Credit Losses | $10.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $64.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $890.00k |
| Total Liabilities and Capital | $156.56M |
Securities
| Securities | $68.28M |
| Available-for-sale debt securities | $68.14M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of State Bank of Herscher?
$156.56M as of the latest filing.
How much are State Bank of Herscher's total deposits?
$139.38M in total deposits.
Where is State Bank of Herscher located?
Herscher, IL.
What is the Net Interest Margin?
3.41%.
How many domestic offices does it operate?
2.
When was it established?
05/20/1902.
What is the Return on Assets (ROA)?
0.97%.
How much are total loans and leases?
$65.35M (latest filing).
What is the total interest income (latest filing)?
$1.63M.