The State Bank Of Pearl City is a bank based in Pearl City, Illinois, established in 1945, with $68 million in total assets across 2 branches. By Trust Grade it ranks 42nd of 328 banks we track in Illinois. Its capital ratio of 10.8% trails most similarly sized banks (37th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.05% return on assets. No consumer complaints against The State Bank Of Pearl City appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The State Bank Of Pearl City compares to Illinois peers
How we graded The State Bank Of Pearl City
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.8% capital ratio)
- Strongly profitable (ROA 1.05%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The State Bank Of Pearl City over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 215 S Main St, Pearl City, IL 61062
- 408 S Clay St, Mount Carroll, IL 61053
Are deposits at The State Bank Of Pearl City insured?
Yes. The State Bank Of Pearl City is an FDIC-insured bank (FDIC certificate #16344). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The State Bank Of Pearl City: frequently asked questions
Is The State Bank Of Pearl City a good bank?
The State Bank Of Pearl City earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.8% capital ratio); Strongly profitable (ROA 1.05%).
Is The State Bank Of Pearl City FDIC-insured?
Yes. The State Bank Of Pearl City is a FDIC-insured bank (FDIC certificate #16344). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The State Bank Of Pearl City?
The State Bank Of Pearl City holds $68 million in total assets, ranking 42nd of 328 banks we track in Illinois. It operates 2 branches.
Does The State Bank Of Pearl City have CFPB complaints?
No CFPB complaints against The State Bank Of Pearl City appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
