State Bank of St. Jacob

Overview / Commentary
102 W Fourth Street
Saint Jacob, IL 62281

State Bank of St. Jacob is headquartered in Saint Jacob and is the 332nd largest bank in the state of Illinois. It is also the 4,459th largest bank in the nation. It was established in 1903 and as of June of 2020, it had grown to 10 employees at 2 locations. State Bank of St. Jacob has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. State Bank of St. Jacob has a relatively low asset base.

Health Grade Components

FDIC Certificate #5730
Year Established1903
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.62%
Return on Equity - YTD9.89%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$69.1MM$66.0MM
LoansQ2 2020vs Q2 2019$28.5MM$26.7MM
DepositsQ2 2020vs Q2 2019$57.6MM$55.1MM
Equity CapitalQ2 2020vs Q2 2019$11.4MM$10.7MM
Loan Loss AllowanceQ2 2020vs Q2 2019$839.00K$685.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$622.00K$393.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

State Bank of St. Jacob Savings Account Rates

0.20%$50-Savings Account

State Bank of St. Jacob Money Market Rates

0.45%*$100k*-Money Market Deposit Account
OTHER TIERS: 0.10% Up to $2.5k | 0.20% $2.5k - $25k | 0.25% $25k - $50k | 0.35% $50k - $100k

State Bank of St. Jacob Checking Account Rates


State Bank of St. Jacob CD Rates

0.80%$1k-48 Month CD Special
0.60%$1k-42 Month CD
0.60%$1k-17 Month CD Special
0.55%$1k-36 Month CD
0.50%$1k-30 Month CD
0.45%$1k-24 Month CD
0.40%$1k-18 Month CD
0.35%$1k-12 Month CD
0.25%$2.5k-9 Month CD
0.20%$2.5k-6 Month CD
0.15%$2.5k-1 Month CD
0.15%$2.5k-3 Month CD

State Bank of St. Jacob Locations
State Bank Of St. Jacob102 W Fourth StreetSaint Jacob, IL 62281
St. Jacob Branch702 North DouglasSt. Jacob, IL 62281

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