Overview / Commentary
1501 East Eldorado Street
Decatur, IL 62521

Soy Capital Bank and Trust Company is headquartered in Decatur and is the 94th largest bank in the state of Illinois. It is also the 1,585th largest bank in the nation. It was established in 1956 and as of December of 2018, it had grown to 149 employees at 11 locations. Soy Capital Bank and Trust Company has an A+ health rating.


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Health Grade Components

FDIC Certificate #17598
Year Established1956
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD2.18%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$442.5MM$428.0MM
LoansQ4 2018vs Q4 2017$252.1MM$254.1MM
DepositsQ4 2018vs Q4 2017$314.6MM$304.1MM
Equity CapitalQ4 2018vs Q4 2017$69.5MM$69.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$0$4.5MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$344.00K$771.00K
Real Estate OwnedQ4 2018vs Q4 2017$439.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Soy Capital Bank and Trust Company Savings Account Rates

0.05%--Christmas Club

Soy Capital Bank and Trust Company Money Market Rates

0.22%$50k-Soy Select Money Market
0.10%*$50k*-Money Market Account
OTHER TIERS: 0.01% Up to $10k | 0.03% $10k - $25k | 0.05% $25k - $50k
0.10%*$50k*-SCB Money Market
OTHER TIERS: 0.03% $2.5k - $25k | 0.05% $25k - $50k

Soy Capital Bank and Trust Company Checking Account Rates

0.07%*$50k*-Soy Corporate Plus
OTHER TIERS: 0.04% Up to $50k
0.03%$1k-NOW Simply Smart

Soy Capital Bank and Trust Company CD Rates

2.06%$500-60 Month CD
1.76%$500-48 Month CD
0.75%$500-36 Month CD
0.35%$500-24 Month CD
0.20%$500-12 Month CD
0.15%$2.5k-6 Month CD
0.10%$2.5k-3 Month CD
0.05%$2.5k-1 Month CD

Soy Capital Bank and Trust Company IRA Rates

2.07%$500-60 Month IRA
1.76%$500-48 Month IRA
0.75%$500-36 Month IRA
0.35%$500-24 Month IRA
0.20%$500-12 Month IRA

Cities: Bloomington, Bourbonnais, Champaign, Decatur, Forsyth, Peoria

Bloomington Branches
Bloomington Branch2306 E. WashingtonBloomington, IL 61704

Bourbonnais Branches
Kankakee Branch125 Moomey Drive Suite 4Bourbonnais, IL 60914

Champaign Branches
Champaign Branch2009 Fox Drive, Suite DChampaign, IL 61820

Decatur Branches
Soy Capital Bank and Trust Company1501 East Eldorado StreetDecatur, IL 62525
Franklin Street Branch1685 South Franklin StreetDecatur, IL 62525
First Federal Branch455 North Main StreetDecatur, IL 62522
Route 36 Branch4825 U.S. Route 36 EastDecatur, IL 62521
East Pershing Road Branch560 East Pershing RoadDecatur, IL 62525

Forsyth Branches
Forsyth Branch1090 South Route 51Forsyth, IL 62535

Peoria Branches
Peoria Branch4530 North UniversityPeoria, IL 61612

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