Headquartered in Geneva, Illinois, The State Bank of Geneva is a state-chartered bank (fed member) with $116.2M in total assets and $102.9M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1903.
Based on its Q2 2026 filing, The State Bank of Geneva scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 118th. Its strongest component is loan quality (95/100; 0.16%), and its lowest is earnings (47/100; 0.68%).
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 2 points (73 → 75), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 76 |
| Q4 2024 | 79 |
| Q1 2025 | 75 |
| Q2 2025 | 73 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 75 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.50% |
| Q3 2024 | 12.57% |
| Q4 2024 | 12.10% |
| Q1 2025 | 12.26% |
| Q2 2025 | 11.53% |
| Q3 2025 | 11.64% |
| Q4 2025 | 11.44% |
| Q1 2026 | 11.59% |
| Q2 2026 | 11.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.02% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $116.2M | 11.81% | 0.16% | 0.68% | 77.1% |
| Q1 2026 | 75 | $124.5M | 11.59% | 0.15% | 0.76% | 74.2% |
| Q4 2025 | 74 | $122.2M | 11.44% | 0.16% | 0.64% | 73.0% |
| Q3 2025 | 74 | $119.9M | 11.64% | 0.13% | 0.59% | 70.8% |
| Q2 2025 | 73 | $120.4M | 11.53% | 0.14% | 0.50% | 68.7% |
| Q1 2025 | 75 | $117.0M | 12.26% | 0.14% | 0.33% | 68.9% |
| Q4 2024 | 79 | $110.9M | 12.10% | 0.14% | 1.02% | 72.3% |
| Q3 2024 | 76 | $112.1M | 12.57% | 0.82% | 1.14% | 69.9% |
| Q2 2024 | 81 | $107.6M | 12.50% | 0.15% | 1.08% | 71.0% |
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 |
|---|---|---|---|---|---|
| Collinsville Building and Loan AssociationBank Collinsville, IL | 78 out of 100, Strong | $117.6M | 29.5% | 0.10% | vs |
| The First National Bank of SpartaBank Sparta, IL | 84 out of 100, Strong | $114.6M | 12.6% | 0.56% | vs |
| The Granville National BankBank Granville, IL | 61 out of 100, Moderate | $118.4M | 11.1% | 2.21% | vs |
| American Metro BankBank Chicago, IL | 76 out of 100, Strong | $119.1M | 13.1% | 0.00% | vs |
| Exchange State BankBank Lanark, IL | 83 out of 100, Strong | $112.7M | 11.5% | 0.05% | vs |
| First Community Bank of Moultrie CountyBank Sullivan, IL | 74 out of 100, Strong | $119.7M | 9.1% | 0.10% | vs |
Deposit insurance
Is my money safe at The State Bank of Geneva?
Yes. The State Bank of Geneva is an FDIC-insured institution (FDIC certificate #925). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.9% of deposits ($16.3M) 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 11.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.73% (benchmark: 10%).
1 location
Branches
The State Bank of Geneva lists 1 office in 1 city. Most locations:
- Geneva, IL (1)
Identity & history
Profile
- Legal name
- The State Bank of Geneva
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 925
- RSSD ID
- 991135
- Primary regulator
- FED
- Holding company
- Geneva Bancshares Inc
- Established
- January 1, 1903
- Headquarters
- 22 S 4th St, Geneva, IL 60134
- Website
- www.sbgeneva.com
- Employees
- 25
Quick answers
The State Bank of Geneva: common questions
Is The State Bank of Geneva FDIC insured?
Yes. The State Bank of Geneva is an FDIC-insured institution (FDIC certificate #925). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The State Bank of Geneva's TellerScore?
75 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 The State Bank of Geneva ever failed?
There is no failure record for FDIC certificate #925 in the FDIC failed bank list.
How many branches does The State Bank of Geneva have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Geneva
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| Aurora Firefighters' Credit UnionCredit union Aurora, IL | 93 out of 100, Very strong | $2.7M | 16.1% | 0.00% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Earthmover Credit UnionCredit union Aurora, IL | 87 out of 100, Very strong | $471.7M | 19.3% | 0.75% | vs |
| Molex Employees Federal Credit UnionCredit union Lisle, IL | 84 out of 100, Strong | $6.5M | 18.4% | 0.47% | vs |
| A.A.E.C. Credit UnionCredit union Arlington Heigh, IL | 84 out of 100, Strong | $118.9M | 13.0% | 0.02% | vs |