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 156^th largest bank in the state of Illinois. It is also the 2,508^th largest bank in the nation. It was established in 1894 and as of March of 2021, it had grown to 52 employees at 5 locations. State Bank (Waterloo, IL) has an A health rating.

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Health

Data as of Q1 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	0.78%
Return on Equity - YTD	8.61%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$290.7MM$201.3MM
Loans	Q1 2021vs Q1 2020	$140.2MM$128.3MM
Deposits	Q1 2021vs Q1 2020	$224.9MM$155.4MM
Equity Capital	Q1 2021vs Q1 2020	$23.8MM$17.8MM
Loan Loss Allowance	Q1 2021vs Q1 2020	$2.3MM$2.2MM
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$357.00K$142.00K
Real Estate Owned	Q1 2021vs Q1 2020	$201.00K$416.00K

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
0.25%	$10	-	Savings
0.17%	$50	-	Platinum Business

State Bank (Waterloo, IL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$250k^*	-	Money Market
OTHER TIERS: 0.20% → Up to $10k \| 0.28% → $10k - $25k \| 0.33% → $25k - $50k \| 0.35% → $50k - $100k \| 0.38% → $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
0.90%	$1k	-	60 Month CD
0.75%	$1k	-	48 Month CD
0.65%	$1k	-	36 Month CD
0.55%	$1k	-	24 Month CD
0.45%	$1k	-	18 Month CD
0.30%	$1k	-	12 Month CD
0.25%	$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 North 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

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