The State Bank of Pearl City
Pearl City, IL
IDRSSD: 923949
Total Assets
$69.43M
Latest filing
Total Deposits
$61.88M
Latest filing
Net Interest Margin
3.80%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The State Bank of Pearl City
215 S Main St
Pearl City, IL 61062
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/08/1945FDIC Certificate 10528
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The State Bank of Pearl City (Main) | 215 S Main St | Pearl City, IL |
| MOUNT CARROLL BRANCH | 408 S Clay St | Mount Carroll, IL |
Showing 1 of 1
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 | 12/08/1945 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61062 |
| State and County Number | 17177 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Freeport, IL |
Operational Info
| Number of Employees | 10 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/08/1945 |
| Primary Insurance Agency | DIF |
| Website | www.pearlcitybank.com |
| Data Updated | 01/30/2026 |
| CERT | 16344 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $69.43M |
| Total Deposits | $61.88M |
| Total Liabilities | $62.16M |
| Total Equity Capital | $7.27M |
| Net Income | $-160,000 |
| Net Loans and Leases | $31.44M |
| Assets Per Employee ($Millions) | $6.94M |
| Bank Premises and Fixed Assets | $996.00k |
| Cash and Balances due from Depository Institutions | $16.56M |
| Deposits Held in Domestic Offices | $61.88M |
Key Performance Ratios
| Return on Assets (ROA) | -0.88% |
| Return on Equity (ROE) | -8.77% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 62.66% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.29% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.473% |
| Earning Assets to total Assets | 96.36% |
Income and Expense
| Total Interest Income | $962.00k |
| Total Noninterest Income | $19.00k |
| Total Interest Expense | $290.00k |
| Total Noninterest Expense | $433.00k |
| Net Interest Income | $672.00k |
| Pre-tax Net Operating Income | $-160,000 |
| Provision for Credit Losses | $418.00k |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $280.00k |
| Total Liabilities and Capital | $69.43M |
Securities
| Securities | $19.95M |
| Available-for-sale debt securities | $19.95M |
| 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 The State Bank of Pearl City?
$69.43M as of the latest filing.
How much are The State Bank of Pearl City's total deposits?
$61.88M in total deposits.
Where is The State Bank of Pearl City located?
Pearl City, IL.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
2.
When was it established?
12/08/1945.
What is the Return on Assets (ROA)?
-0.88%.
How much are total loans and leases?
$31.44M (latest filing).
What is the total interest income (latest filing)?
$962.00k.