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Overview / Commentary
217-857-3166
106 East Main Street
Teutopolis, IL 62467

Teutopolis State Bank is headquartered in Teutopolis and is the 203rd largest bank in the state of Illinois. It is also the 3,018st largest bank in the nation. It was established in 1905 and as of December of 2013, it had grown to 33 employees at 2 locations. Teutopolis State Bank's savings rates are 44% higher than the national average, and it has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 Teutopolis State Bank had $108,000 in non-current loans and owned real-estate with $25.19 million in equity and loan loss allowances on hand to cover it. This gives Teutopolis State Bank a Texas Ratio of 0.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
B

In the past year, Teutopolis State Bank has increased its total deposits by $768,000, resulting in 0.43% 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 Teutopolis State Bank has shown is above average.

Capitalization

GRADE:
A+

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. Teutopolis State Bank has $203.15 million in assets with $25.19 million in equity, resulting in a capitalization level of 12.40%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #11708
Year Established1905
Employees33
Primary RegulatorFED
Assets and Liabilities
Assets$203.15 million
Loans$97.17 million
Deposits$178.55 million
Equity Capital$24.22 million
Loan Loss Allowance$967,000
Unbacked Noncurrent Loans$108,000
Real Estate Owned$0
Historic Data - December 2012
Assets$202.05 million
Equity Capital$23.86 million
Loan Loss Allowance$940,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.48%
Return on Assets0.89%
Return on Equity7.35%
Interest Income$5.61 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Teutopolis State Bank, we are a rate comparison website and can not provide official rates or promotions.

Teutopolis State Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.75%-$10kKasasa Saver
0.50%--HSA
0.45%$500-IRA
0.20%$100-Savings Account
0.01%--Kasasa Saver

Teutopolis State Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$100k-Money Market Advantage

Teutopolis State Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.55%-$15kKasasa Cash
0.10%$1k-Now
0.01%--Kasasa Cash

Teutopolis State Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.15%$500-48 Month CD
0.75%$500-36 Month CD
0.65%$500-30 Month CD
0.55%$500-24 Month CD
0.50%$500-21 Month CD
0.45%$500-18 Month CD
0.40%$500-15 Month CD
0.35%$500-12 Month CD
0.35%$25-12 Month Sunny Day CD
0.30%$500-11 Month CD
0.25%$500-182 Day CD
0.25%$500-8 Month CD
0.25%$500-9 Month CD
0.20%$500-31 Day CD
0.20%$500-91 Day CD
Locations


Teutopolis State Bank Locations
Teutopolis State Bank106 East Main StreetTeutopolis, IL 62467
Sigel Branch202 South MainSigel, IL 62462