Teutopolis State Bank is headquartered in Teutopolis and is the 205th largest bank in the state of Illinois. It is also the 3,067th largest bank in the nation. It was established in 1905 and as of September 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 boasts a A+ health rating.
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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 September 30, 2013 Teutopolis State Bank had $0 in non-current loans and owned real-estate with $25.87 million in equity and loan loss allowances on hand to cover it. This gives Teutopolis State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Teutopolis State Bank increased slightly from 0.03% as of September 30, 2012 to 0.00% as of September 30, 2013, resulting in a positive change of 100.00%.This indicates that the balance sheet and financial strength for Teutopolis State Bank has declined slightly in recent periods.
In the past year, Teutopolis State Bank has increased its total deposits by $2.78 million, resulting in 1.63% 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.
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 $198.75 million in assets with $25.87 million in equity, resulting in a capitalization level of 13.02%, which is excellent.
|FDIC Certificate #||11708|
|Assets and Liabilities|
|Equity Capital||$24.93 million|
|Loan Loss Allowance||$941,000|
|Real Estate Owned||$0|
|Historic Data - September 2012|
|Equity Capital||$24.81 million|
|Loan Loss Allowance||$914,000|
|Unbacked Noncurrent Loans||$0|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||2.46%|
|Return on Assets||0.9%|
|Return on Equity||7.43%|
|Interest Income||$4.19 million|
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|0.35%||$100k||-||Money Market Advantage|
|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|
|Teutopolis State Bank Locations|
|Teutopolis State Bank||106 East Main Street||Teutopolis, IL 62467|
|Sigel Branch||202 South Main||Sigel, IL 62462|