German American State Bank

Overview / Commentary
100 Church Street
German Valley, IL 61039

German American State Bank is headquartered in German Valley and is the 153rd largest bank in the state of Illinois. It is also the 2,525th largest bank in the nation. It was established in 1907 and as of September of 2019, it had grown to 41 employees at 4 locations. German American State Bank's money market rates are 2X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #5749
Year Established1907
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD11.4%
Annual Interest Income$8.2MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$246.6MM$247.5MM
LoansQ3 2019vs Q3 2018$177.1MM$174.4MM
DepositsQ3 2019vs Q3 2018$217.2MM$219.2MM
Equity CapitalQ3 2019vs Q3 2018$26.0MM$23.2MM
Loan Loss AllowanceQ3 2019vs Q3 2018$2.1MM$2.0MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$727.00K$802.00K
Real Estate OwnedQ3 2019vs Q3 2018$149.00K$93.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

German American State Bank Savings Account Rates

1.00%*-$50kKasasa Saver
OTHER TIERS: 0.25% $50k+
0.10%--Lifetime Savings
0.10%--Youth Savings (Club Bucks)
0.10%$25-Santa Savings
0.10%$25-Vacation Savings

German American State Bank Money Market Rates

1.00%*$100k*-Money Market Accounts
OTHER TIERS: 0.10% Up to $50k | 0.50% $50k - $100k

German American State Bank Checking Account Rates

2.01%-$10kKasasa Cash

German American State Bank CD Rates

2.12%$10k$250k5 Year Step Up CD Special
2.00%$10k-36 Month CD Special
1.75%$100k-18 Month CD Special
0.75%*$50k*-60 Month CD
OTHER TIERS: 0.50% $1k - $50k
0.50%*$50k*-30 Month CD
OTHER TIERS: 0.25% $1k - $50k
0.50%*$50k*-36 Month CD
OTHER TIERS: 0.25% $1k - $50k
0.50%*$50k*-48 Month CD
OTHER TIERS: 0.25% $1k - $50k
0.20%*$50k*-18 Month CD
OTHER TIERS: 0.10% $1k - $50k
0.20%*$50k*-24 Month CD
OTHER TIERS: 0.10% $1k - $50k
0.15%*$50k*-12 Month CD
OTHER TIERS: 0.10% $1k - $50k
0.10%$1k-6 Month CD

German American State Bank IRA Rates

2.12%$10k$250k5 Year Step Up IRA Special
2.00%$10k-36 Month IRA Special

German American State Bank Locations
German-American State Bank100 Church StreetGerman Valley, IL 61039
Pecatonica Facility1305 Main StreetPecatonica, IL 61063
Seward3034 S. Pecatonica Rd.Seward, IL 61077
Winnebago Branch809 Cannell-Puri CourtWinnebago, IL 61088

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