# STATE BANK OF INDIA
CHICAGO, IL · FDIC certificate 33664 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.32B | |
| Deposits | $3.28B | |
| Loans and leases | $4.08B | |
| Total equity | $0 | |
| Loans / deposits | 124.33% (p98 of band) | 87.10% |
| Liquid assets / assets | 4.62% (p1 of band) | |
| Uninsured deposits / deposits | 2.08% (p1 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.82% (p34 of band) | |
| FHLB advances / assets | – | |
| Tier 1 leverage | 0.00% (p0 of band) | 10.50% |
| Unrealized securities loss / equity | – | -7.75% |
| AOCI / equity | – | |
| ROA (annualized) | 0.00% (p2 of band) | 1.26% |
| Net interest margin | 0.00% (p1 of band) | 3.70% |
| Efficiency ratio | 0.00% (p1 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | 6.5% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, leverage <7%, leverage <5%, NIM <2.5% |  |
| 2011-06 | 6 | liquid assets <10% |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 6 |  |  |
| 2012-06 | 7 | uninsured deposits leaving |  |
| 2012-09 | 7 |  |  |
| 2012-12 | 7 |  |  |
| 2013-03 | 6 |  | liquid assets <10% |
| 2013-06 | 8 | deposits shrinking, assets shrinking |  |
| 2013-09 | 9 | liquid assets <10% |  |
| 2013-12 | 6 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2014-03 | 5 | assets shrinking | loans exceed deposits, liquid assets <10% |
| 2014-06 | 5 |  |  |
| 2014-09 | 6 | deposits shrinking, uninsured deposits leaving | assets shrinking |
| 2014-12 | 8 | loans exceed deposits, assets shrinking |  |
| 2015-03 | 8 | liquid assets <10% | assets shrinking |
| 2015-06 | 7 |  | deposits shrinking |
| 2015-09 | 5 |  | uninsured deposits leaving, liquid assets <10% |
| 2015-12 | 6 | liquid assets <10% |  |
| 2016-03 | 5 |  | liquid assets <10% |
| 2016-06 | 5 |  |  |
| 2016-09 | 7 | liquid assets <10%, deposits shrinking |  |
| 2016-12 | 7 |  |  |
| 2017-03 | 6 |  | deposits shrinking |
| 2017-06 | 6 |  |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 6 |  |  |
| 2018-03 | 5 |  | liquid assets <10% |
| 2018-06 | 5 |  |  |
| 2018-09 | 7 | liquid assets <10%, uninsured deposits leaving |  |
| 2018-12 | 6 |  | uninsured deposits leaving |
| 2019-03 | 7 | uninsured deposits leaving |  |
| 2019-06 | 7 |  |  |
| 2019-09 | 6 |  | liquid assets <10% |
| 2019-12 | 7 | liquid assets <10% |  |
| 2020-03 | 6 |  | uninsured deposits leaving |
| 2020-06 | 5 |  | liquid assets <10% |
| 2020-09 | 8 | liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2020-12 | 8 |  |  |
| 2021-03 | 7 |  | assets shrinking |
| 2021-06 | 8 | uninsured deposits leaving |  |
| 2021-09 | 6 |  | deposits shrinking, uninsured deposits leaving |
| 2021-12 | 5 |  | liquid assets <10% |
| 2022-03 | 5 |  |  |
| 2022-06 | 6 | liquid assets <10% |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 6 |  |  |
| 2023-06 | 7 | uninsured deposits leaving |  |
| 2023-09 | 7 |  |  |
| 2023-12 | 7 |  |  |
| 2024-03 | 7 |  |  |
| 2024-06 | 6 |  | uninsured deposits leaving |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 6 |  |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 6 |  |  |
| 2026-03 | 6 |  |  |
| 2026-06 | 6 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-11 [State Bank of India returns to dollar debt market, bankers see strong demand - Reuters](https://news.google.com/rss/articles/CBMitAFBVV95cUxPYmtBOUgwYTNYSnh2YVBqcDlvQlFoejR1Rk00Y1ZoTWg5ZUhUV3NJN3hUWXEwdGRnUmpJakxGOHVjMlVwUlJMdTgzNjZLYjdneDNmUF93WENLYVJPMVl0Uk1wUXhKME1iSjBkVURNY0s1UmNqcDRNQk9VTXBJcG90X0NlM3hZdmFETEl1ZzJMMVctakJWU3gta1lpUWJ1bURtVDRPMnNjN2N3RUZYSlhjWXJ0Uk0?oc=5) · Reuters
- 2026-08-11 [State Bank of India (SBI) - Britannica](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5MSThWOGtxLUhsNkV0ZkU5RzR3TGg5c3gxOVRSWGtKcVRJRGViYm5kSmM5YmQ1eVd3Xy1hcmNxN2tzU0FuSk5hWWJXbTVxajJHLVFuVXJUNklKV2pZT0gzREt3?oc=5) · Britannica
- 2026-06-09 [State Bank of India confirms listing plans for general insurance arm: reports - InsuranceAsia News](https://news.google.com/rss/articles/CBMipgFBVV95cUxNX1VTeEpDNEs3U3JjTHdaTlJ2T094N0hxU0lDZXk1V3BrdTJuUTg2UVZ0LUhqSkMxSVRrRFRERGpWTHhDZHBsdlViVVZLNGVlMlVGWElwRkFnWmpWSFpVY2FwVkYwb194d29GM0ZnNUJSc1RTNVVleERfVG5Mc3ZQbXo0MkotcWF6VTRSeEFYcWR6ZXF4OEpKbFZMN24yWm40Z3R2X21B?oc=5) · InsuranceAsia News
- 2026-07-07 [India's largest asset manager draws top sovereign funds in $1.2 billion IPO, sources say - Reuters](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQaHcyc0xUNkdjZG5XMHNqaVUybERkRDRhMmc5MHlpWERzSHlQNW9Iekw3SFhpOC1PT0g4U1pnbU45QTczVE1EZWdrRFdmWFJPZUlfcEVGTHNEbTN1MmNYR3B4c3BGdVo0a1NIMXRoRUtTYXRtaHBXdTZaeE5nb3p0aWpPTTZiMUc2dTFCX1BfcHJ5TXlScE1ydmtSRHp2Q2NRUDBWbS1oOXlKaWtWMm0yNVh0MHg1Mzg5VzFwOFU3SVBTVTg?oc=5) · Reuters
- 2026-06-21 [SBI's improving performance warrants better valuation, chairman Setty says: Report - economictimes.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNeEpDRnR3RVNDQk8zOHBKblRqOHQ3SHJQVUpUMndQTUc5dWVGM01LbmFpUThpNlBOUzcyeW9VaGs4NTQzTmFRUlBudVVEY0l6M3huR201c0ItdFdQVFUyUzVuVWF3WFlfNldBMFo2ekVyWnVVbWk0eFVWUWpXOGVLTFYxYkNzcG1GT3F0Ql8xSmlDS2RrOFJBWWlEeWhHM01BVGI2VWpaaGNzMnlzNU9tVU5RMFNRX0RCcGxMM2VsVjlQSUc5Q2FubUlsS0JEdzdZRTlGRi1DckVaT3FHdGo1cDVGSE1rVHZxcW5ncTZ1RzRhMkoyZDFZMWFB0gH_AUFVX3lxTE5DWUVLWFZaOElGaGxpYWhJczV1bGdjRkxsN2NXOFRyVVZrd05DYVZmMndNNl9KbFdQdHNPLXpyeHFYQmFVNlN3eGxja1U5TzFBSmFyUllFWjVsVlpfd2ROM0REbzgxd01jSVFUQ1oydUtOcUU4SkpKXzVXeGx2a1RsQlYwWUFhcE9hdklIa0hUZU5tbm0yOHNZM2RkemVZc0J6Vmd2MWJPcDF4Wk5hZWZXN3QzRzFZQi1HcEtxVXFkSzNIRXUxcktHekFlZGVTenhFUmlwdXFwdTZtNnRwVTBkSlVhTFNEczJzV2hkM0VfYmFRajc1UndPTFl2ZHh5Zw?oc=5) · economictimes.com
- 2023-01-03 [Employees at India’s largest bank embrace the citizen developer revolution with Microsoft Power Apps - news.microsoft.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQNUFMaHFmOWdhcEJCVmdFbmVHS2lDamhVemk1TVVhOWJNa1B5OGZ0V2lkUVMxeWE5aWFrMDZJOHozTkczNWVCc25VaG5tTk5GWUQyTUgwRDlKSmZiX0gzR2ZEeEd2MkVDeThkeGN4UGFQR2NCWjN5WVJ1SGNIVzhMWXhJT1ctbGFST3VYcUktMHZMbHV6SHhBZWlDQV9WdTFVNzBPWS11LWZxOG85VmtMQWFjSzZXN3l0U3NTWEI1blNSbFVuYzdySDZoWEstcW8xWWVhdkg5aC1NcnMtbVJyU3pB?oc=5) · news.microsoft.com
- 2019-01-31 [SBI Investigates Reported Massive Data Leak - BankInfoSecurity](https://news.google.com/rss/articles/CBMijAFBVV95cUxOOHd6a0dwS2xyLThZeTlCMEhOMlppa1ZoVXM1LU82bkJORjZwdFpacWFFQVVsd1c1QW5OaFVGbXhQYWwxM2o3ZXFQT1hjZjVBY0x6RXRJTTB0NnVoWm0xNE5SZnRFNDVVUmIweXBub0szTWxGN3hqX1MyWURQVTRpZE4zbkkwTUx0aVQ3ag?oc=5) · BankInfoSecurity
- 2026-05-08 [Bank of India Q4 net profit rises 15% on higher interest income growth - Business Standard](https://news.google.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?oc=5) · Business Standard

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33664 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "33664", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide