Routing numbers with long runs of zeros in the middle look wrong to people, and 111000025 is one of those. It is not wrong. The middle block is an institution identifier assigned within a district, and low numbers with padding zeros went to institutions that were in the system early. Here is the number read block by block, and the arithmetic that says whether it is well formed.
Block by block
A nine digit routing number divides into three parts. The first four digits are the Federal Reserve routing symbol: here 1110, where the leading 11 is the eleventh district, Dallas, and the next two identify the processing arrangement within it. The next four are the institution identifier assigned inside that district, here 0002. The final digit, 5, is the check digit computed over the other eight. Nothing in the number encodes a state, a branch or an account.
Why the zeros
The institution block is a sequence, not a code with meaning, and low sequence numbers are padded with leading zeros to fill four digits. An institution identifier of 0002 simply means the second identifier issued in that arrangement. Long standing institutions therefore tend to carry short numbers with padding, and newer ones carry higher numbers. It is a filing convention rather than information, which is why reading significance into the zeros leads nowhere.
The check digit test
Weight the digits three, seven, one, three, seven, one, three, seven, one and add. For 111000025 that gives three times one plus zero plus zero, which is three; seven times one plus zero plus two, which is twenty one; and one plus zero plus five, which is six. Three plus twenty one plus six is thirty, which divides by ten. The number passes. That test catches a single mistyped digit and most transpositions, which is exactly what it exists for.
Establishing whose it is
The arithmetic stops here and the institution question needs a source. The complete routing register is licensed, so this index does not carry it. Ask whoever supplied the number which bank it belongs to, then open that bank's own routing number page and confirm the number is on it. Bank of America, Wells Fargo, U.S. Bank and PNC all publish such a page, and reading the number off the institution's own site is the strongest confirmation available without paying for a directory.
Questions people ask about 111000025
Is 111000025 well formed?
Yes. The weighted checksum comes to thirty, which divides by ten, so the nine digits are internally consistent.
What does the 11 at the start mean?
The eleventh Federal Reserve district, Dallas. The first two digits identify the district that processes for the institution.
Do the zeros mean anything?
Only padding. The institution block is a four digit sequence and low numbers are padded with leading zeros.
Does a routing number tell me the state?
Not directly. It names a Federal Reserve district, which covers several states, and many banks issue different numbers by state within a district.