State Bank of St. Jacob

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 285^th largest bank in the state of Illinois. It is also the 3,926^th largest bank in the nation. It was established in 1903 and as of December of 2024, it had grown to 11 employees at 2 locations. State Bank of St. Jacob's money market rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

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	11
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.74%
Return on Equity - YTD	5.42%
Annual Interest Income	$4MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$88.6MM$82.3MM
Loans	Q4 2024vs Q4 2023	$46.4MM$46.4MM
Deposits	Q4 2024vs Q4 2023	$76.6MM$71.1MM
Equity Capital	Q4 2024vs Q4 2023	$11.9MM$11MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$1.3MM$1.4MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$449K$1MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
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
0.15%	$50	-	Savings Account

State Bank of St. Jacob Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%^*	$100k^*	-	Money Market Deposit Account
OTHER TIERS: 0.15% → $0 - $2.5k \| 0.75% → $2.5k - $25k \| 1.00% → $25k - $50k \| 1.10% → $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
4.25%	$2.5k	-	6 Month CD Special
4.00%	$1k	-	15 Month CD Special
3.60%	$1k	-	30 Month CD Special
2.50%	$1k	-	48 Month CD
2.00%	$1k	-	12 Month CD
2.00%	$1k	-	18 Month CD
2.00%	$1k	-	24 Month CD
2.00%	$1k	-	36 Month CD
2.00%	$1k	-	42 Month CD
1.75%	$2.5k	-	9 Month CD
1.00%	$2.5k	-	3 Month CD
0.75%	$2.5k	-	1 Month CD

Locations

State Bank of St. Jacob Locations
State Bank Of St. Jacob	102 W 4th St	Saint Jacob, IL 62281
St. Jacob Branch	702 North Douglas	St. Jacob, IL 62281

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