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State Bank of Cherry

$100M-$1B Specialty: Agricultural IL FDIC cert 11686

Cherry, IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -2.0% year over year ($105.5M on the books).
  • Delinquency rate 0.50%.
  • Return on assets 0.89%.
  • Efficiency ratio 66.49% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.11% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

State Bank of Cherry has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 1.6% in tier
  • - Deposit Outflow: Bottom 12.7% in tier
  • - Flatlined Growth: Bottom 36.5% in tier
  • - NIB Deposit Bleed: Bottom 66.0% in tier
  • - Net Interest Margin 0.54% below tier average
  • - Efficiency Ratio 2.01% above tier average
Get updates when State Bank of Cherry releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $137.6M
+0.9% YoY -1.5% QoQ
-$249.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 10.3% in tier
Total Loans ? $91.9M
-7.5% YoY -1.6% QoQ
-$166.5M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $105.5M
-2.0% YoY -4.7% QoQ
-$221.3M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 7.2% in tier
Return on Assets ? 0.89%
-47.0% YoY -12.8% QoQ
-0.43% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 3.44%
-9.9% YoY +0.5% QoQ
-0.54% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 66.49%
+22.9% YoY +4.6% QoQ
+2.01% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 0.50%
-82.0% YoY -53.7% QoQ
-0.42% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
46%
Loan-to-Deposit Ratio ? 87.11%
-5.5% YoY +3.2% QoQ
+9.16% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 16.55%
-14.9% YoY +0.5% QoQ
-5.48% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 0.38%
-81.4% YoY -74.1% QoQ
-0.29% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
46%
Tier 1 Capital Ratio ? 11.63%
-2.8% YoY +0.7% QoQ
-4.28% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.13%
-8.2% YoY +73.4% QoQ
-0.44% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 16.5%
-2.9pp YoY
+0.1pp QoQ
 -5.6pp 22.1% 20.1% 22.2% 30%
Brokered Deposits 0.9%
-1.8pp YoY
-0.9pp QoQ
 -6.9pp 7.9% 8.0% 8.5% 18%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 11.2%
-0.7pp YoY
+0.8pp QoQ
 -0.4pp 11.6% 14.7% 12.5% 60%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 15.6%
+0.4pp YoY
-0.5pp QoQ
 -17.0pp 32.6% 28.3% 31.3% 20%
Consumer 3.5%
-0.4pp YoY
0.0pp QoQ
 -0.6pp 4.1% 5.4% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 11.6%
-0.3pp YoY
+0.1pp QoQ
 -0.5pp 12.2% 12.2% 12.6% 60%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 15
+2 (+15.4%) YoY
+2 (+15.4%) QoQ
 -44 58 228 482 4%
Assets per Employee ($) $9.2M
-12.6% YoY
-14.6% QoQ
 +$1.7M $7.5M $8.3M $8.8M 81%
Branch Count 1
0 YoY
0 QoQ
 -4 4 10 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.5%
+0.5pp YoY
-0.2pp QoQ
 -0.4pp 0.9% 1.1% 1.0% 53%
Allowance Coverage 2.73x
+292.1% YoY
+68.1% QoQ
 -21.43x 24.15x 5.62x 20.23x 56%
Net Charge-off Rate (YTD) 1.1%
+0.8pp QoQ
 +0.9pp 0.1% 0.1% 0.2% 98%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 7.9%
-7.1pp YoY
-1.1pp QoQ
 -4.3pp 12.2% 10.5% 11.6% 25%
Cost of Funds (YTD) 1.8%
+0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 59%
Net Income ($, YTD) $616,000
-44.2% YoY
— QoQ
 -$1.9M $2.6M $11.7M $40.4M 14%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Margin Compression

decline
#6 of 307 • Bottom 1.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.89%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#69 of 535 • Bottom 12.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Flatlined Growth

risk
#194 of 529 • Bottom 36.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.89%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

NIB Deposit Bleed

decline
#108 of 162 • Bottom 66.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 16.55%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2453
Total Deposits
size
Value: $105.48M
Peer Median: $326.73M
#2453 of 2643 Bottom 7.2% in $100M-$1B
2371
Total Assets
size
Value: $137.62M
Peer Median: $386.57M
#2371 of 2643 Bottom 10.3% in $100M-$1B
2234
Total Loans
size
Value: $91.89M
Peer Median: $258.35M
#2234 of 2643 Bottom 15.5% in $100M-$1B
1984
Net Interest Margin
profitability
Value: 3.44%
Peer Median: 3.99%
#1984 of 2643 Bottom 25.0% in $100M-$1B
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