State Bank of St. Jacob

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 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

up to $300

Our Rating

4.2 / 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 277^th largest bank in the state of Illinois. It is also the 3,893^rd largest bank in the nation. It was established in 1903 and as of March of 2025, 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 Q1 2025

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	1.42%
Return on Equity - YTD	10.44%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$89.3MM$84.3MM
Loans	Q1 2025vs Q1 2024	$45.2MM$46.5MM
Deposits	Q1 2025vs Q1 2024	$76.8MM$72.7MM
Equity Capital	Q1 2025vs Q1 2024	$12.4MM$11.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.3MM$1.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$495K$1.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.2 / 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
4.10%	$2.5k	-	6 Month CD Special
3.85%	$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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