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The State Bank of Pearl City

Pearl City, IL
IDRSSD: 923949
Total Assets
$76.47M
Latest filing
Total Deposits
$68.89M
Latest filing
Net Interest Margin
3.50%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date12/08/1945
Community BankYes
Ownership TypeNot Mutual
ZIP61062
State and County Number17177
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameFreeport, IL

Operational Info

Number of Employees11
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance12/08/1945
Primary Insurance AgencyDIF
Websitewww.pearlcitybank.com
Data Updated11/14/2025
CERT16344
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$76.47M
Total Deposits$68.89M
Total Liabilities$69.15M
Total Equity Capital$7.32M
Net Income$111.00k
Net Loans and Leases$32.06M
Assets Per Employee ($Millions)$7.65M
Bank Premises and Fixed Assets$950.00k
Cash and Balances due from Depository Institutions$20.71M
Deposits Held in Domestic Offices$68.89M

Key Performance Ratios

Return on Assets (ROA)0.59%
Return on Equity (ROE)6.23%
Net Interest Margin3.5%
Efficiency Ratio70.08%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.44%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.57%
Earning Assets to total Assets97.29%

Income and Expense

Total Interest Income$884.00k
Total Noninterest Income$13.00k
Total Interest Expense$252.00k
Total Noninterest Expense$452.00k
Net Interest Income$632.00k
Pre-tax Net Operating Income$111.00k
Provision for Credit Losses$82.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$267.00k
Total Liabilities and Capital$76.47M

Securities

Securities$22.26M
Available-for-sale debt securities$22.26M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The State Bank of Pearl City?
$76.47M as of the latest filing.
How much are The State Bank of Pearl City's total deposits?
$68.89M in total deposits.
Where is The State Bank of Pearl City located?
Pearl City, IL.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
2.
When was it established?
12/08/1945.
What is the Return on Assets (ROA)?
0.59%.
How much are total loans and leases?
$32.06M (latest filing).
What is the total interest income (latest filing)?
$884.00k.