Headquartered in Pearl City, Illinois, The State Bank of Pearl City is a state-chartered bank with $73.4M in total assets and $65.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1945.
Based on its Q2 2026 filing, The State Bank of Pearl City scores 71/100, which we describe as strong. That is higher than only 42% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 158th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is earnings (48/100; 0.71%).
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 11 points (60 → 71), mostly because the loan quality component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 58 |
| Q1 2025 | 62 |
| Q2 2025 | 60 |
| Q3 2025 | 55 |
| Q4 2025 | 56 |
| Q1 2026 | 64 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.18% |
| Q3 2024 | 8.73% |
| Q4 2024 | 9.67% |
| Q1 2025 | 10.51% |
| Q2 2025 | 10.92% |
| Q3 2025 | 10.16% |
| Q4 2025 | 10.26% |
| Q1 2026 | 11.12% |
| Q2 2026 | 11.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.58% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.00% |
| Q2 2025 | 1.33% |
| Q3 2025 | 1.67% |
| Q4 2025 | 1.52% |
| Q1 2026 | 1.30% |
| Q2 2026 | 0.69% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $73.4M | 11.31% | 0.69% | 0.71% | 48.4% |
| Q1 2026 | 64 | $68.2M | 11.12% | 1.30% | 0.40% | 52.0% |
| Q4 2025 | 56 | $69.4M | 10.26% | 1.52% | 0.03% | 50.8% |
| Q3 2025 | 55 | $76.5M | 10.16% | 1.67% | 0.33% | 46.5% |
| Q2 2025 | 60 | $72.8M | 10.92% | 1.33% | 0.19% | 48.1% |
| Q1 2025 | 62 | $69.9M | 10.51% | 1.00% | 0.18% | 51.4% |
| Q4 2024 | 58 | $75.0M | 9.67% | 1.12% | 0.21% | 48.4% |
| Q3 2024 | 62 | $80.1M | 8.73% | 0.58% | 0.47% | 48.0% |
| Q2 2024 | 62 | $88.0M | 9.18% | 0.53% | 0.39% | 43.2% |
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 |
|---|---|---|---|---|---|
| Anchor State BankBank Anchor, IL | 84 out of 100, Strong | $73.5M | 12.6% | 0.00% | vs |
| Marseilles BankBank Marseilles, IL | 56 out of 100, Moderate | $77.6M | 8.3% | 1.02% | vs |
| Midland Community BankBank Kincaid, IL | 88 out of 100, Very strong | $68.8M | 12.1% | 0.00% | vs |
| The First National Bank of AvaBank Ava, IL | 84 out of 100, Strong | $78.3M | 12.8% | 0.07% | vs |
| First State Bank of OlmstedBank Olmsted, IL | 64 out of 100, Moderate | $78.4M | 12.6% | 2.09% | vs |
| Washington State BankBank Washington, IL | 61 out of 100, Moderate | $79.1M | 9.1% | 1.03% | vs |
Deposit insurance
Is my money safe at The State Bank of Pearl City?
Yes. The State Bank of Pearl City is an FDIC-insured institution (FDIC certificate #16344). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.6% of deposits ($14.2M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.31%, 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%).
2 locations
Branches
The State Bank of Pearl City lists 2 offices in 2 cities. Most locations:
- Mount Carroll, IL (1)
- Pearl City, IL (1)
Identity & history
Profile
- Legal name
- The State Bank of Pearl City
- Type
- State-chartered bank
- FDIC certificate #
- 16344
- RSSD ID
- 923949
- Primary regulator
- FDIC
- Holding company
- Pearl City Bcorp Inc
- Established
- December 8, 1945
- Headquarters
- 215 S Main St, Pearl City, IL 61062
- Website
- www.pearlcitybank.com
- Employees
- 12
Quick answers
The State Bank of Pearl City: common questions
Is The State Bank of Pearl City FDIC insured?
Yes. The State Bank of Pearl City is an FDIC-insured institution (FDIC certificate #16344). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The State Bank of Pearl City's TellerScore?
71 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 Pearl City ever failed?
There is no failure record for FDIC certificate #16344 in the FDIC failed bank list.
How many branches does The State Bank of Pearl City have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pearl City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Exchange State BankBank Lanark, IL | 83 out of 100, Strong | $112.7M | 11.5% | 0.05% | vs |
| Blackhawk Area Credit UnionCredit union Savanna, IL | 79 out of 100, Strong | $39.1M | 13.4% | 0.13% | vs |
| The Clinton National BankBank Clinton, IA | 79 out of 100, Strong | $396.4M | 13.4% | 0.53% | vs |
| Community BankBank Winslow, IL | 75 out of 100, Strong | $310.8M | 16.0% | 1.50% | vs |
| Apple River State BankBank Apple River, IL | 74 out of 100, Strong | $675.2M | 9.7% | 0.24% | vs |