State Bank of Waterloo

Overview / Commentary

www.sbw.bank

618-939-7194

855 North Illinois Route 3
Waterloo, IL 62298

State Bank of Waterloo is headquartered in Waterloo and is the 200^th largest bank in the state of Illinois. It is also the 2,962^nd largest bank in the nation. It was established in 1894 and as of September of 2019, it had grown to 41 employees at 4 locations. State Bank of Waterloo's CD rates are 96% higher than the national average, and it has an A health rating.

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Health

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	12706
Year Established	1894
Employees	41
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.43%
Return on Equity - YTD	4.88%
Annual Interest Income	$5.2MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$190.3MM$168.8MM
Loans	Q3 2019vs Q3 2018	$126.2MM$113.8MM
Deposits	Q3 2019vs Q3 2018	$145.7MM$135.6MM
Equity Capital	Q3 2019vs Q3 2018	$16.2MM$14.7MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$1.9MM$1.8MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$167.00K$188.00K
Real Estate Owned	Q3 2019vs Q3 2018	$163.00K$189.00K

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 Waterloo Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$10	-	Savings
0.17%	$50	-	Platinum Business

State Bank of Waterloo Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.43%^*	$250k^*	-	Money Market
OTHER TIERS: 0.20% → Up to $10k \| 0.28% → $10k - $25k \| 0.33% → $25k - $50k \| 0.38% → $50k - $100k \| 0.40% → $100k - $250k

State Bank of Waterloo Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.75%^*	-	$10k	Cash Rewards Checking
OTHER TIERS: 0.20% → $10k+

State Bank of Waterloo CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%	$1k	-	60 Month CD
2.07%	$1k	-	48 Month CD
2.02%	$1k	-	36 Month CD
1.97%	$1k	-	24 Month CD
1.81%	$1k	-	18 Month CD
1.76%	$1k	-	12 Month CD

Locations

State Bank of Waterloo Locations
Valmeyer Branch	259 Knobloch Boulevard	Valmeyer, IL 62295
Waterloo Branch	501 North Market Street	Waterloo, IL 62298
State Bank Of Waterloo	855 North Illinois Route 3	Waterloo, IL 62298
State Bank Of Waterloo	1525 N. Main Street	Columbia, IL 62236

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