State Bank (Waterloo, IL)

Overview / Commentary

www.sbw.bank

618-939-7194

855 North Illinois Route 3
Waterloo, IL 62298

State Bank (Waterloo, IL) is headquartered in Waterloo and is the 155^th largest bank in the state of Illinois. It is also the 2,479^th largest bank in the nation. It was established in 1894 and as of December of 2021, it had grown to 52 employees at 6 locations. State Bank (Waterloo, IL) has an A health rating.

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Health

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	12706
Year Established	1894
Employees	52
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.28%
Return on Equity - YTD	3.32%
Annual Interest Income	$8.5MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$306.0MM$236.6MM
Loans	Q4 2021vs Q4 2020	$144.7MM$138.0MM
Deposits	Q4 2021vs Q4 2020	$239.5MM$180.8MM
Equity Capital	Q4 2021vs Q4 2020	$23.4MM$23.7MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$2.5MM$2.2MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$329.00K$282.00K
Real Estate Owned	Q4 2021vs Q4 2020	$71.00K$201.00K

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 (Waterloo, IL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.17%	$50	-	Platinum Business
0.15%	$10	-	Savings

State Bank (Waterloo, IL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$250k^*	-	Money Market
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k \| 0.30% → $100k - $250k

State Bank (Waterloo, IL) Checking Account Rates

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

State Bank (Waterloo, IL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$1k	-	60 Month CD
0.75%	$1k	-	48 Month CD
0.60%	$1k	-	36 Month CD
0.50%	$1k	-	24 Month CD
0.40%	$1k	-	18 Month CD
0.30%	$1k	-	12 Month CD
0.20%	$1k	-	6 Month CD

Locations

State Bank (Waterloo, IL) Locations
Valmeyer Branch	259 Knobloch Boulevard	Valmeyer, IL 62295
Waterloo Branch	501 North Market Street	Waterloo, IL 62298
State Bank Of Waterloo	855 N Illinois Route 3	Waterloo, IL 62298
State Bank Of Waterloo	1525 N. Main Street	Columbia, IL 62236
Lindbergh Facility Branch	6969 S Lindbergh Blvd	Saint Louis, MO 63125
State Bank Of Waterloo - Lindbergh B	6969 S. Lindbergh Blvd.	Saint Louis, MO 63125

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