State Bank of Industry is a state-chartered bank headquartered in Industry, Illinois, in business for about 125 years. At the end of Q2 2026 it reported $64.3M in total assets and $55.6M in deposits, with 1 office.
State Bank of Industry has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 81% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 30th. Problem-loan coverage contributes the most (96/100, 1.9%); earnings contributes the least (69/100, 1.23%).
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 3 points (83 → 86), mostly because the capital cushion component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 87 |
| Q4 2024 | 84 |
| Q1 2025 | 87 |
| Q2 2025 | 83 |
| Q3 2025 | 81 |
| Q4 2025 | 82 |
| Q1 2026 | 87 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.65% |
| Q3 2024 | 14.76% |
| Q4 2024 | 14.29% |
| Q1 2025 | 13.64% |
| Q2 2025 | 13.45% |
| Q3 2025 | 14.03% |
| Q4 2025 | 14.57% |
| Q1 2026 | 13.96% |
| Q2 2026 | 14.21% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.44% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 1.10% |
| Q4 2024 | 0.94% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.12% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $64.3M | 14.21% | 0.44% | 1.23% | 68.0% |
| Q1 2026 | 87 | $67.1M | 13.96% | 0.30% | 1.29% | 65.8% |
| Q4 2025 | 82 | $62.4M | 14.57% | 0.88% | 1.12% | 73.7% |
| Q3 2025 | 81 | $62.0M | 14.03% | 0.85% | 1.17% | 67.9% |
| Q2 2025 | 83 | $66.5M | 13.45% | 0.41% | 1.11% | 63.5% |
| Q1 2025 | 87 | $67.4M | 13.64% | 0.09% | 1.21% | 61.2% |
| Q4 2024 | 84 | $62.3M | 14.29% | 0.34% | 0.94% | 68.4% |
| Q3 2024 | 87 | $60.0M | 14.76% | 0.30% | 1.10% | 73.1% |
| Q2 2024 | 88 | $59.4M | 14.65% | 0.09% | 0.97% | 70.4% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| 1st Community BankBank Sherrard, IL | 68 out of 100, Moderate | $65.3M | 10.0% | 0.49% | vs |
| North County Savings BankBank Red Bud, IL | 68 out of 100, Moderate | $63.2M | 8.5% | 0.00% | vs |
| The First National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $66.3M | 12.5% | 0.11% | vs |
| Farmers State BankBank Elmwood, IL | 33 out of 100, Low | $66.9M | 8.2% | 4.30% | vs |
| Midland Community BankBank Kincaid, IL | 88 out of 100, Very strong | $68.8M | 12.1% | 0.00% | vs |
| GN BankBank Chicago, IL | 53 out of 100, Below average | $59.8M | 16.1% | 13.11% | vs |
Deposit insurance
Is my money safe at State Bank of Industry?
Yes. State Bank of Industry is an FDIC-insured institution (FDIC certificate #10820). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.7% of deposits ($9.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.21%, 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 Industry lists 1 office in 1 city. Most locations:
- Industry, IL (1)
Identity & history
Profile
- Legal name
- State Bank of Industry
- Type
- State-chartered bank
- FDIC certificate #
- 10820
- RSSD ID
- 944935
- Primary regulator
- FDIC
- Established
- March 25, 1901
- Headquarters
- 101 W Main St, Industry, IL 61440
- Website
- www.statebankofindustry.com
- Employees
- 7
Quick answers
State Bank of Industry: common questions
Is State Bank of Industry FDIC insured?
Yes. State Bank of Industry is an FDIC-insured institution (FDIC certificate #10820). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Industry's TellerScore?
86 out of 100 (Very 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 Industry ever failed?
There is no failure record for FDIC certificate #10820 in the FDIC failed bank list.
How many branches does State Bank of Industry have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Industry
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rushville State BankBank Rushville, IL | 94 out of 100, Very strong | $134.8M | 14.3% | 0.19% | vs |
| Farmers and Merchants State Bank of BushnellBank Bushnell, IL | 83 out of 100, Strong | $86.5M | 10.5% | 0.00% | vs |
| Vermont State BankBank Vermont, IL | 73 out of 100, Strong | $31.0M | 28.2% | 5.08% | vs |
| Ipava State BankBank Lewistown, IL | 73 out of 100, Strong | $221.9M | 9.7% | 0.20% | vs |
| United Community BankBank Chatham, IL | 72 out of 100, Strong | $4.1B | 10.2% | 0.31% | vs |
| Morton Community BankBank Morton, IL | 72 out of 100, Strong | $5.3B | 10.6% | 0.81% | vs |