The State Bank of Pearl City: how it compares with its peers
Against 78 IL banks with half to twice its assets, The State Bank of Pearl City's strongest measure in Q2 2026 is net interest margin (3.83% vs. a 3.72% peer median). Its weakest relative measure is return on assets (0.71% vs. 1.01%).
| Measure | The State Bank of Pearl City | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.71% | 1.01% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 3.72% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.50% | 66.94% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.1M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 48.38% | 63.54% | Context |
What it means for lending operations
Its efficiency ratio of 72.50% is above the 66.94% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Anchor State Bank Anchor, IL · $73M
- Marseilles Bank Marseilles, IL · $78M
- The First National Bank of Ava Ava, IL · $78M
- First State Bank of Olmsted Olmsted, IL · $78M
Questions about The State Bank of Pearl City
How big is The State Bank of Pearl City?
The State Bank of Pearl City, established in 1945, is headquartered in Pearl City, IL. It reported $73M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The State Bank of Pearl City's return on assets?
0.71% annualized in Q2 2026, against a 1.01% median for 78 IL banks with half to twice its assets, ahead of 36% of them.
What is The State Bank of Pearl City's efficiency ratio?
72.50% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 66.94%, and lower is better.
Is The State Bank of Pearl City growing its loans?
Net loans grew 0.7% over the year to Q2 2026, while deposits grew 0.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.