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Overview / Commentary
855 North Illinois Route 3
Waterloo, IL 62298

State Bank of Waterloo (12706) is headquartered in Waterloo and is the 281st largest bank in the state of Illinois. It is also the 4,049th largest bank in the nation. It was established in 1894 and as of December of 2013, it had grown to 28 employees at 3 locations. State Bank of Waterloo (12706) has a B health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 State Bank of Waterloo (12706) had $2.83 million in non-current loans and owned real-estate with $13.86 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Waterloo (12706) 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 State Bank of Waterloo (12706) decreased slightly from 26.30% as of December 31, 2012 to 20.43% as of December 31, 2013, resulting in a positive change of 22.29%.This indicates that the balance sheet and financial strength for State Bank of Waterloo (12706) has improved slightly in recent periods.

Deposit Growth


In the past year, State Bank of Waterloo (12706) has decreased its total deposits by -$1.34 million, resulting in -1.14% 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 State Bank of Waterloo (12706) has shown is average.



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. State Bank of Waterloo (12706) has $131.46 million in assets with $13.86 million in equity, resulting in a capitalization level of 10.54%, which is above average.

Institution Statistics

FDIC Certificate #12706
Year Established1894
Primary RegulatorFDIC
Assets and Liabilities
Assets$131.46 million
Loans$76.31 million
Deposits$116.13 million
Equity Capital$12.96 million
Loan Loss Allowance$896,000
Unbacked Noncurrent Loans$2.53 million
Real Estate Owned$302,000
Historic Data - December 2012
Assets$134.11 million
Equity Capital$13.32 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$2.53 million
Real Estate Owned$634,000
Profit Margin - Quarterly
Net Interest Margin2.77%
Return on Assets0.5%
Return on Equity5.11%
Interest Income$4.91 million

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State Bank of Waterloo (12706) Locations
Valmeyer Branch259 Knobloch BoulevardValmeyer, IL 62295
Waterloo Branch501 North Market StreetWaterloo, IL 62298
State Bank Of Waterloo855 North Illinois Route 3Waterloo, IL 62298