State Bank of Graymont
Graymont, IL
IDRSSD: 937339
Total Assets
$323.04M
Latest filing
Total Deposits
$282.11M
Latest filing
Net Interest Margin
2.88%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
071118222GRAYMONT, IL
Key People
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Locations
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Main Office
State Bank of Graymont
204 Main St
Graymont, IL 61743
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1913FDIC Certificate 6668
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| State Bank of Graymont (Main) | 204 Main St | Graymont, IL |
| CHENOA BRANCH | 314 Crittenden St | Chenoa, IL |
| PONTIAC BRANCH | 1100 W Howard St | Pontiac, IL |
| PONTIAC BRANCH | 901 E Howard St | Pontiac, IL |
| SAUNEMIN OFFICE BRANCH | 59 North St | Saunemin, IL |
Showing 4 of 4
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 | 01/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61743 |
| State and County Number | 17105 |
| Subchapter S Corporations | No |
| 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 | Pontiac, IL |
Operational Info
| Number of Employees | 45 |
| Domestic Offices | 5 |
| 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.sbofgray.com |
| Data Updated | 01/30/2026 |
| CERT | 10434 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $323.04M |
| Total Deposits | $282.11M |
| Total Liabilities | $286.84M |
| Total Equity Capital | $36.21M |
| Net Income | $574.00k |
| Net Loans and Leases | $185.35M |
| Assets Per Employee ($Millions) | $7.51M |
| Bank Premises and Fixed Assets | $1.69M |
| Cash and Balances due from Depository Institutions | $7.54M |
| Deposits Held in Domestic Offices | $282.11M |
Key Performance Ratios
| Return on Assets (ROA) | 0.73% |
| Return on Equity (ROE) | 6.4% |
| Net Interest Margin | 2.88% |
| Efficiency Ratio | 66.4% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.208% |
| Earning Assets to total Assets | 95.03% |
Income and Expense
| Total Interest Income | $3.50M |
| Total Noninterest Income | $444.00k |
| Total Interest Expense | $1.34M |
| Total Noninterest Expense | $1.73M |
| Net Interest Income | $2.16M |
| Pre-tax Net Operating Income | $755.00k |
| Provision for Credit Losses | $120.00k |
| 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 | $2.40M |
| Federal Funds Sold & Reverse Repurchase Agreement | $22.65M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.33M |
| Total Liabilities and Capital | $323.04M |
Securities
| Securities | $96.99M |
| Available-for-sale debt securities | $96.79M |
| 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 State Bank of Graymont?
$323.04M as of the latest filing.
How much are State Bank of Graymont's total deposits?
$282.11M in total deposits.
Where is State Bank of Graymont located?
Graymont, IL.
What is the Net Interest Margin?
2.88%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
0.73%.
How much are total loans and leases?
$185.35M (latest filing).
What is the total interest income (latest filing)?
$3.50M.