TellerScore

State Bank of Bement (FDIC certificate #10855) is based in Bement, Illinois. Its Q2 2026 call report shows $185.6M in total assets and $165.9M in deposits and 4 offices.

State Bank of Bement has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 206th. Problem-loan coverage contributes the most (94/100, 3.0%); earnings contributes the least (47/100, 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.19%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.54%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 65.1% · 28.1% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.98%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (64 → 67), mostly because the loan quality component improved by 11 points.

TellerScore
526169Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202452
Q4 202457
Q1 202557
Q2 202564
Q3 202569
Q4 202568
Q1 202669
Q2 202667
Tier 1 leverage ratio
5.00%7.73%10.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.22%
Q3 202410.11%
Q4 20249.70%
Q1 202510.01%
Q2 202510.45%
Q3 202510.31%
Q4 202510.05%
Q1 20269.91%
Q2 202610.19%
Noncurrent loans
0.23%1.22%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.20%
Q3 20242.04%
Q4 20241.24%
Q1 20251.39%
Q2 20250.86%
Q3 20250.25%
Q4 20250.23%
Q1 20260.24%
Q2 20260.54%
Return on assets
0.48%0.60%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.64%
Q4 20240.61%
Q1 20250.48%
Q2 20250.53%
Q3 20250.62%
Q4 20250.67%
Q1 20260.72%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$185.6M10.19%0.54%0.68%65.1%
Q1 202669$185.1M9.91%0.24%0.72%65.8%
Q4 202568$185.6M10.05%0.23%0.67%74.7%
Q3 202569$181.4M10.31%0.25%0.62%71.2%
Q2 202564$171.6M10.45%0.86%0.53%68.7%
Q1 202557$170.8M10.01%1.39%0.48%68.5%
Q4 202457$180.2M9.70%1.24%0.61%74.6%
Q3 202452$176.7M10.11%2.04%0.64%69.6%
Q2 202452$174.9M10.22%2.20%0.69%68.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.19%
35th
Total risk-based capital0.00%
24th
Problem loans0.54%
44th
Net charge-offs0.05%
27th
Return on assets0.68%
18th
Net interest margin3.94%
50th
Efficiency ratio72.2%
25th
Loans to deposits65.1%
76th
Uninsured deposits28.1%
34th
Loan-loss reserves1.13%
43rd
Texas ratio3.0%
48th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of RaymondBank Raymond, IL78 out of 100, Strong$187.1M10.9%0.42%vs
Prairie Community BankBank Marengo, IL39 out of 100, Low$187.5M8.8%2.82%vs
The First National Bank in TremontBank Tremont, IL67 out of 100, Moderate$187.6M9.9%0.66%vs
La Salle State BankBank La Salle, IL68 out of 100, Moderate$183.2M8.9%0.16%vs
Union Savings BankBank Freeport, IL66 out of 100, Moderate$182.0M9.5%0.27%vs
First National Bank of NokomisBank Nokomis, IL73 out of 100, Strong$181.9M10.9%0.96%vs

Deposit insurance

Is my money safe at State Bank of Bement?

Yes. State Bank of Bement is an FDIC-insured institution (FDIC certificate #10855). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.1% of deposits ($46.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

State Bank of Bement lists 4 offices in 4 cities. Most locations:

  • Bement, IL (1)
  • Cerro Gordo, IL (1)
  • Ivesdale, IL (1)
  • Monticello, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, State Bank of Bement reported 43 home-loan applications under HMDA (LEI 549300XPRIVI6I4YR959): 27 originated ($3,465,000 total), 3 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
State Bank of Bement
Type
State-chartered bank
FDIC certificate #
10855
RSSD ID
439730
Primary regulator
FDIC
Holding company
Bement Bancshares Inc
Established
January 17, 1914
Headquarters
180 E Bodman St, Bement, IL 61813
Employees
30

Quick answers

State Bank of Bement: common questions

Is State Bank of Bement FDIC insured?

Yes. State Bank of Bement is an FDIC-insured institution (FDIC certificate #10855). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is State Bank of Bement's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has State Bank of Bement ever failed?

There is no failure record for FDIC certificate #10855 in the FDIC failed bank list.

How many branches does State Bank of Bement have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bement

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings Bank of Champaign UrbanaBank Champaign, IL90 out of 100, Very strong$192.5M12.7%0.09%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs
Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL86 out of 100, Very strong$1.2M55.5%0.16%vs
Decatur Policemen Credit UnionCredit union Decatur, IL85 out of 100, Very strong$5.3M15.0%0.44%vs
BankChampaign, National AssociationBank Champaign, IL84 out of 100, Strong$242.8M11.8%0.00%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs