Scott State Bank
Bethany, IL
IDRSSD: 443634
Total Assets
$202.84M
Latest filing
Total Deposits
$177.52M
Latest filing
Net Interest Margin
3.71%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Scott State Bank
101 W Main St
Bethany, IL 61914
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1887FDIC Certificate 5404
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Scott State Bank (Main) | 101 W Main St | Bethany, IL |
| MAROA BRANCH | 101 E Main St | Maroa, IL |
| SULLIVAN BRANCH | 310 W Jackson St | Sullivan, IL |
| DECATUR BRANCH | 3950 Fountain Ln | Decatur, IL |
| MOUNT ZION IL BRANCH | 1120 S Route 121 | Mount Zion, IL |
| STATE BANK OF NIANTIC BRANCH | 200 E Lewis St | Niantic, IL |
| DALTON CITY BRANCH | 100 East Main Street | Dalton City, IL |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1887 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61914 |
| State and County Number | 17139 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 48 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.scottbancshares.com |
| Data Updated | 01/30/2026 |
| CERT | 8491 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $202.84M |
| Total Deposits | $177.52M |
| Total Liabilities | $179.41M |
| Total Equity Capital | $23.43M |
| Net Income | $433.00k |
| Net Loans and Leases | $119.82M |
| Assets Per Employee ($Millions) | $4.06M |
| Bank Premises and Fixed Assets | $2.89M |
| Cash and Balances due from Depository Institutions | $7.25M |
| Deposits Held in Domestic Offices | $177.52M |
Key Performance Ratios
| Return on Assets (ROA) | 0.84% |
| Return on Equity (ROE) | 7.52% |
| Net Interest Margin | 3.71% |
| Efficiency Ratio | 75.01% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.549% |
| Earning Assets to total Assets | 93.44% |
Income and Expense
| Total Interest Income | $2.28M |
| Total Noninterest Income | $309.00k |
| Total Interest Expense | $515.00k |
| Total Noninterest Expense | $1.55M |
| Net Interest Income | $1.76M |
| Pre-tax Net Operating Income | $431.00k |
| Provision for Credit Losses | $87.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $1.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $611.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $893.00k |
| Total Liabilities and Capital | $202.84M |
Securities
| Securities | $65.38M |
| Available-for-sale debt securities | $65.19M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Scott State Bank?
$202.84M as of the latest filing.
How much are Scott State Bank's total deposits?
$177.52M in total deposits.
Where is Scott State Bank located?
Bethany, IL.
What is the Net Interest Margin?
3.71%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1887.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$119.82M (latest filing).
What is the total interest income (latest filing)?
$2.28M.