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 331st largest bank in the state of Illinois. It is also the 4,500th 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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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 - YTD1.33%
Return on Equity - YTD8.31%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$66.7MM$63.8MM
LoansQ4 2019vs Q4 2018$27.8MM$27.4MM
DepositsQ4 2019vs Q4 2018$55.8MM$53.6MM
Equity CapitalQ4 2019vs Q4 2018$10.6MM$9.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$743.00K$678.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$311.00K$197.00K
Real Estate OwnedQ4 2019vs Q4 2018$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

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

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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