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7800 West 95th Street
Hickory Hills, IL 60457

Standard Bank and Trust Co. is headquartered in Hickory Hills and is the 16st largest bank in the state of Illinois. It is also the 326th largest bank in the nation. It was established in 1947 and as of June of 2014, it had grown to 549 employees at 38 locations. Standard Bank and Trust Co. has a B+ health rating.

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Reviews (2)

Best To Avoid The Hassle

overall this bank has provided probably one of the worst experiences all around as far as starting an account


the online application is not really much of one. it just prods you for the fields on their standard paper applicatoin, prefills them, and then you have to mail it in. you have no account until it is received and acted upon...

that is a further problem as the bank didn't seem to bother with my application, no phone call, no email, nothing

so i call the 800 number and nobody seems to have any clue; i wait on hold for 20 minutes as i bounce around operators. i provide a confirmation code i received from the online application process and nobody seems to know what that code means or does. one rep says my information is not in their system, another easily finds me and provides details of my app. i finally get referred to a specific person, but of course that person never answers the phone in several days of calls. after finally reaching them, i get told to reapply, even though they have my information. the two customer service reps i speak to are actually quite rude, one i can hear flipping through a binder to find some excuse for all the mistakes and inactions on their end.

i finally ask to just have my information removed form their system and i'm denied, so now i'll get spammed with eventual cold calls. i sorta have an account with no accounts  ;(

the web site is mediocre, late to the game and mostly a bundle of third party apps; other small banks are like that too though.

there is probably something to say about their Local rules; while i did qualify for, but i don't live close to a branch and being a small bank not concerned with customer service, they'll let rate chasers and small fish flounder to go after the big fee generators. they won't open an account without a return phone call to hard sell you on other products or a branch visit.

bankrate is not very bullish on them, so maybe it is better than not; would like to have my wasted time back.


the fine print has an early termination fee for account closings, and the phone reps mention more restrictions not mentioned in the fine print. i asked for a physical reference to their claims but none is provided.

Standard Bank& Trust

this bank will charge you so many fees you will have no money left in the bank then they will charge you a service fee just for that! stay away from standard bank and trust


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Standard Bank and Trust Co. had $60.03 million in non-current loans and owned real-estate with $293.87 million in equity and loan loss allowances on hand to cover it. This gives Standard Bank and Trust Co. a Texas Ratio of 20.43% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Standard Bank and Trust Co. decreased slightly from 25.58% as of June 30, 2013 to 20.43% as of June 30, 2014, resulting in a positive change of 20.15%.This indicates that the balance sheet and financial strength for Standard Bank and Trust Co. has improved slightly in recent periods.

Deposit Growth


In the past year, Standard Bank and Trust Co. has increased its total deposits by $72.65 million, resulting in 3.81% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Standard Bank and Trust Co. has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Standard Bank and Trust Co. has $2.26 billion in assets with $293.87 million in equity, resulting in a capitalization level of 13.01%, which is excellent.

Institution Statistics

FDIC Certificate #16606
Year Established1947
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.26 billion
Loans$1.70 billion
Deposits$1.98 billion
Equity Capital$255.91 million
Loan Loss Allowance$37.96 million
Unbacked Noncurrent Loans$44.11 million
Real Estate Owned$15.91 million
Historic Data - June 2013
Assets$2.16 billion
Equity Capital$241.53 million
Loan Loss Allowance$57.62 million
Unbacked Noncurrent Loans$44.11 million
Real Estate Owned$16.71 million
Profit Margin - Quarterly
Return on Assets0.71%
Return on Equity6.31%
Interest Income$39.02 million

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Standard Bank and Trust Co. Savings Account Rates

0.30%$100-Health Savings Account
0.20%$100k-Premium Savings
0.20%$100k-Business Premium Savings
0.05%--Passbook Savings
0.05%--Standard Savings
0.05%--My Green Savings
0.05%--Passbook Kids Club
0.05%--Standard Kids Club
0.05%--Business Savings

Standard Bank and Trust Co. Money Market Rates

0.15%$100k-Business Money Market
0.15%$100k-Simply Money Market

Standard Bank and Trust Co. Checking Account Rates

1.50%-$15kMy Green Checking - Qualifying
0.04%--Simply Checking
0.04%--Business NOW
0.03%--My Green Checking - Non Qualifying

Standard Bank and Trust Co. CD Rates

1.01%$1k$100k60 Month CD
0.61%$1k$100k48 - 59 Month CD
0.51%$1k$100k36 - 47 Month CD
0.36%$1k$100k24 - 35 Month CD
0.26%$1k$100k18 - 23 Month CD
0.20%$1k$100k12 - 17 Month CD
0.10%$1k$100k6 - 11 Month CD
0.07%$1k$100k3 - 5 Month CD

Standard Bank and Trust Co. IRA Rates

1.01%$100$100k60 Month IRA
0.61%$100$100k48 - 59 Month IRA
0.51%$100$100k36 - 47 Month IRA
0.36%$100$100k24 - 35 Month IRA
0.31%$100-18 Month Variable IRA
0.26%$100$100k18 - 23 Month IRA
0.20%$100$100k12 - 17 Month IRA
0.10%$100$100k6 - 11 Month IRA
0.07%$100$100k3 - 5 Month IRA

Standard Bank and Trust Co. has 41 locations. Click to view all Standard Bank and Trust Co. locations.