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 313th largest bank in the state of Illinois. It is also the 4,263rd largest bank in the nation. It was established in 1903 and as of September of 2021, 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 - YTD1.23%
Return on Equity - YTD8.34%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$81.6MM$71.3MM
LoansQ3 2021vs Q3 2020$31.8MM$29.2MM
DepositsQ3 2021vs Q3 2020$69.9MM$59.6MM
Equity CapitalQ3 2021vs Q3 2020$11.5MM$11.5MM
Loan Loss AllowanceQ3 2021vs Q3 2020$1.2MM$913.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$1.1MM$1.0MM
Real Estate OwnedQ3 2021vs Q3 2020$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

0.70%$1k-48 Month CD
0.60%$1k-42 Month CD
0.55%$1k-36 Month CD
0.50%$1k-30 Month CD
0.45%$1k-24 Month CD
0.45%$1k-17 Month CD Special
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 4th StSaint Jacob, IL 62281
St. Jacob Branch702 North DouglasSt. Jacob, IL 62281

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