State Bank of St. Jacob

Overview / Commentary

www.statebankofstjacob.com

618-644-5555

102 W Fourth Street
Saint Jacob, IL 62281

State Bank of St. Jacob is headquartered in Saint Jacob and is the 331^st largest bank in the state of Illinois. It is also the 4,500^th largest bank in the nation. It was established in 1903 and as of December of 2019, it had grown to 10 employees at 2 locations. State Bank of St. Jacob has an A health rating.

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Health

Data as of Q4 2019

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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

Overall
FDIC Certificate #	5730
Year Established	1903
Employees	10
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.33%
Return on Equity - YTD	8.31%
Annual Interest Income	$2.4MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$66.7MM$63.8MM
Loans	Q4 2019vs Q4 2018	$27.8MM$27.4MM
Deposits	Q4 2019vs Q4 2018	$55.8MM$53.6MM
Equity Capital	Q4 2019vs Q4 2018	$10.6MM$9.9MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$743.00K$678.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$311.00K$197.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Money Market
Checking
CD

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$50	-	Savings Account

State Bank of St. Jacob Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$500	-	N.O.W.

State Bank of St. Jacob CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	48 Month CD Special
0.90%	$1k	-	42 Month CD
0.85%	$1k	-	36 Month CD
0.80%	$1k	-	17 Month CD Special
0.70%	$1k	-	30 Month CD
0.60%	$1k	-	24 Month CD
0.50%	$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

Locations

State Bank of St. Jacob Locations
State Bank Of St. Jacob	102 W Fourth Street	Saint Jacob, IL 62281
St. Jacob Branch	702 North Douglas	St. Jacob, IL 62281

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