State Bank of Cherry (FDIC certificate #11686) is based in Cherry, Illinois. Its Q2 2026 call report shows $137.6M in total assets and $105.5M in deposits and 1 office.
Based on its Q2 2026 filing, State Bank of Cherry scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 146th. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is earnings (56/100; 0.89%).
TellerScore · Q2 2026
Scorecard
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 15 points (57 → 72), mostly because the loan quality component improved by 74 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 73 |
| Q4 2024 | 54 |
| Q1 2025 | 56 |
| Q2 2025 | 57 |
| Q3 2025 | 68 |
| Q4 2025 | 69 |
| Q1 2026 | 66 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.02% |
| Q3 2024 | 12.21% |
| Q4 2024 | 12.24% |
| Q1 2025 | 12.14% |
| Q2 2025 | 11.96% |
| Q3 2025 | 11.87% |
| Q4 2025 | 11.93% |
| Q1 2026 | 11.55% |
| Q2 2026 | 11.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 1.18% |
| Q4 2024 | 3.06% |
| Q1 2025 | 2.81% |
| Q2 2025 | 2.74% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.07% |
| Q2 2026 | 0.50% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.64% |
| Q3 2024 | 1.68% |
| Q4 2024 | 1.71% |
| Q1 2025 | 1.66% |
| Q2 2025 | 1.68% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.45% |
| Q1 2026 | 1.02% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $137.6M | 11.63% | 0.50% | 0.89% | 87.1% |
| Q1 2026 | 66 | $139.7M | 11.55% | 1.07% | 1.02% | 84.4% |
| Q4 2025 | 69 | $137.6M | 11.93% | 1.04% | 1.45% | 91.4% |
| Q3 2025 | 68 | $137.9M | 11.87% | 1.49% | 1.60% | 90.0% |
| Q2 2025 | 57 | $136.4M | 11.96% | 2.74% | 1.68% | 92.2% |
| Q1 2025 | 56 | $129.1M | 12.14% | 2.81% | 1.66% | 93.5% |
| Q4 2024 | 54 | $128.5M | 12.24% | 3.06% | 1.71% | 97.3% |
| Q3 2024 | 73 | $124.0M | 12.21% | 1.18% | 1.68% | 93.1% |
| Q2 2024 | 75 | $121.7M | 12.02% | 0.80% | 1.64% | 92.2% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Streator Home Savings BankBank Streator, IL | 70 out of 100, Strong | $137.0M | 22.0% | 1.19% | vs |
| First National Bank in PinckneyvilleBank Pinckneyville, IL | 61 out of 100, Moderate | $138.4M | 11.8% | 2.01% | vs |
| Southern Illinois BankBank Johnston City, IL | 62 out of 100, Moderate | $136.5M | 17.7% | 4.75% | vs |
| The Litchfield National BankBank Litchfield, IL | 62 out of 100, Moderate | $135.7M | 8.9% | 0.84% | vs |
| Federated BankBank Onarga, IL | 69 out of 100, Moderate | $140.1M | 8.9% | 0.20% | vs |
| Rushville State BankBank Rushville, IL | 94 out of 100, Very strong | $134.8M | 14.3% | 0.19% | vs |
Deposit insurance
Is my money safe at State Bank of Cherry?
Yes. State Bank of Cherry is an FDIC-insured institution (FDIC certificate #11686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.2% of deposits ($17.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.63%, 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%).
1 location
Branches
State Bank of Cherry lists 1 office in 1 city. Most locations:
- Cherry, IL (1)
Identity & history
Profile
- Legal name
- State Bank of Cherry
- Type
- State-chartered bank
- FDIC certificate #
- 11686
- RSSD ID
- 258539
- Primary regulator
- FDIC
- Holding company
- Cherry Bcorp Inc
- Established
- May 6, 1906
- Headquarters
- 110 S Main St, Cherry, IL 61317
- Website
- www.statebankofcherry.com
- Employees
- 15
Quick answers
State Bank of Cherry: common questions
Is State Bank of Cherry FDIC insured?
Yes. State Bank of Cherry is an FDIC-insured institution (FDIC certificate #11686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Cherry's TellerScore?
72 out of 100 (Strong), 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 Cherry ever failed?
There is no failure record for FDIC certificate #11686 in the FDIC failed bank list.
How many branches does State Bank of Cherry have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cherry
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ottawa Hiway Credit UnionCredit union Ottawa, IL | 100 out of 100, Very strong | $16.3M | 16.7% | 0.00% | vs |
| Peru Federal Savings BankBank Peru, IL | 87 out of 100, Very strong | $208.5M | 16.4% | 0.28% | vs |
| Spring Valley City BankBank Spring Valley, IL | 84 out of 100, Strong | $207.0M | 13.9% | 0.18% | vs |
| Financial Plus Credit UnionCredit union Ottawa, IL | 84 out of 100, Strong | $607.4M | 13.2% | 0.45% | vs |
| Streator Onized Credit UnionCredit union Streator, IL | 84 out of 100, Strong | $423.3M | 15.6% | 0.47% | vs |
| North Central BankBank Hennepin, IL | 82 out of 100, Strong | $165.9M | 12.3% | 0.26% | vs |