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State Bank Of Bement
Bement, IL · FDIC Certificate #10855 · Chartered 01/1
Total assets
$185.57M
Total deposits
$165.92M
Total equity
$18.61M
Net loans
$108.09M
Branches (offices)
4
Net income (YTD)
$632.00K
Rank: #3,077 of 4,213 U.S. banks by assets · #210 of 322 in Illinois. Assets changed 8.1% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 6.90% |
| Net interest margin (YTD) | 3.94% |
| Equity to assets | 10.03% |
| Tier 1 leverage ratio | 10.19% |
| Uninsured deposits (share of deposits) | 28.1% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 65.1% |
| Real estate loans (share of loans) | 47.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $51.33M | 47.5% | |
| Commercial & industrial | $28.28M | 26.2% | |
| Consumer / individual | $9.01M | 8.3% | |
| Construction & development | $2.61M | 2.4% | |
| Agricultural | $18.41M | 17.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $193.74M | $178.10M | $200.00K | $15.62M |
| Jun 2023 | $168.29M | $153.69M | $643.00K | $14.03M |
| Jun 2024 | $174.87M | $148.33M | $610.00K | $15.72M |
| Jun 2025 | $171.62M | $153.35M | $465.00K | $17.34M |
| Jun 2026 | $185.57M | $165.92M | $632.00K | $18.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $165.92M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $165.92M.
Similar-sized banks
United Republic Bank ($185.77M) · The Home National Bank Of Thorntown ($185.56M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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