The State Bank of Pearl City

215 South Main Street
Pearl City, IL 61062

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 0.45% 2.20% →
2-Year CD 0.65% 2.20% →
5-Year CD 1.25% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

The State Bank of Pearl City is an FDIC insured institution located in Pearl City, IL. It was founded in 1945 and has approximately $0.06 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 16344
Date Established 1945
Assets $0.06 billion
Loans $0.03 billion
Deposits $0.05 billion
Capital $0.01 billion
 

For a more detailed analysis of The State Bank of Pearl City's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 16, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $1,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.22% $1,000 - Learn MoreShow Less
6 Mo CD
0.27% $1,000 - Learn MoreShow Less
12 Mo CD
0.45% $1,000 - Learn MoreShow Less
18 Mo CD
0.55% $1,000 - Learn MoreShow Less
24 Mo CD
0.65% $1,000 - Learn MoreShow Less
30 Mo CD
0.75% $1,000 - Learn MoreShow Less
36 Mo CD
0.85% $1,000 - Learn MoreShow Less
48 Mo CD
1.05% $1,000 - Learn MoreShow Less
60 Mo CD
1.25% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.45% $1,000 - Learn MoreShow Less

Loan Rates - February 16, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The State Bank of Pearl City

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.378% 3.375% 0.00 $92 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to The State Bank of Pearl City
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Branches

The State Bank of Pearl City branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The State Bank of Pearl City Locations


Financial Details

The State Bank of Pearl City Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The State Bank of Pearl City. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The State Bank of Pearl City U.S. Bank Average
1.99% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, The State Bank of Pearl City had $131,000 in non-current loans and $18,000 in owned real estate. To cover these potential losses it had $6,898,000 in equity and $579,000 in loans loss reserves. That gives it a Texas Ratio of 1.99%.

Return on Equity
The State Bank of Pearl City U.S. Bank Average
6.23% 9.72%

The State Bank of Pearl City has a Return on Equity of 6.23% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The State Bank of Pearl City U.S. Bank Average
11.85% 12.89%

The State Bank of Pearl City has a Capitalization of 11.85% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The State Bank of Pearl City Balance Sheet Analysis

As of September 30, 2019, The State Bank of Pearl City had assets of $58,217,000, loans of $34,429,000, and deposits of $51,082,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.05 billion
LIABILITIES
Total deposits $0.05 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 83.91%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The State Bank of Pearl City’s loan portfolio are Consumer Auto Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Illinois, The State Bank of Pearl City has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.46
Multifamily
Mortgages
0.69
Credit Card Loans 0.00
Consumer Auto Loans 70.86
Small Business Loans 0.00
Construction and Development Loans 0.61
Commercial Real Estate 4.10
Commercial and Industrial Loans 3.84
Farm Loans 0.58

Frequently Asked Questions About The State Bank Of Pearl City

Branches and Savings

Is The State Bank Of Pearl City FDIC insured?

Yes. It is covered under FDIC Certificate #16344.

Why does The State Bank Of Pearl City pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The State Bank Of Pearl City CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The State Bank Of Pearl City a commercial bank?

Yes

Where are The State Bank Of Pearl City locations?

See branch locations nearby.

Is The State Bank Of Pearl City open on Saturdays?

Is The State Bank Of Pearl City open on Sundays?

What time does The State Bank Of Pearl City open?

What time does The State Bank Of Pearl City close?

Are The State Bank Of Pearl City ATMs Open 24/7?

Do The State Bank Of Pearl City ATMs accept cash deposits?

Can The State Bank Of Pearl City customers use other ATMs?

Do The State Bank Of Pearl City branches have notaries?

Will The State Bank Of Pearl City notarize my document?

What address for The State Bank Of Pearl City should I put for incoming ACH transfers?

Will the The State Bank Of Pearl City branch print checks?

Do The State Bank Of Pearl City checks expire?

Does The State Bank Of Pearl City require US citizenship to open account?

Can The State Bank Of Pearl City close my account?

Does The State Bank Of Pearl City Report to credit bureaus?

Does The State Bank Of Pearl City Use Equifax?

What is The State Bank Of Pearl City's ACH Routing Number?

What is The State Bank Of Pearl City's SWIFT code?

Products

Does The State Bank Of Pearl City offer mortgages?

Compare mortgage rates here.

Does The State Bank Of Pearl City offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The State Bank Of Pearl City offer personal loans?

Compare personal loan rates here.

Does The State Bank Of Pearl City offer student loans?

Will The State Bank Of Pearl City cash a check?

Will The State Bank Of Pearl City redeem a savings bond?

Does The State Bank Of Pearl City cash savings bonds?

Will The State Bank Of Pearl City cash money orders?

Can The State Bank Of Pearl City issue a money order?

Does The State Bank Of Pearl City do currency exchange?

Background on The Bank

Who owns The State Bank Of Pearl City?

How long has The State Bank Of Pearl City been around?

Can The State Bank Of Pearl City transfer to other banks?

Does The State Bank Of Pearl City have quick pay?

Does The State Bank Of Pearl City accept rolled coins?

Will The State Bank Of Pearl City accept loose change?

Where is The State Bank Of Pearl City headquarters?

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