State Bank of St. Jacob
Saint Jacob, IL
IDRSSD: 362940
Total Assets
$87.63M
Latest filing
Total Deposits
$73.84M
Latest filing
Net Interest Margin
3.89%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
State Bank of St. Jacob
102 W 4th St
Saint Jacob, IL 62281
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/03/1903FDIC Certificate 3905
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| State Bank of St. Jacob (Main) | 102 W 4th St | Saint Jacob, IL |
| ST. JACOB BRANCH | 702 N Douglas St | St. Jacob, IL |
Showing 1 of 1
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 | 11/03/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62281 |
| State and County Number | 17119 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| 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 | St. Louis, MO-IL |
Operational Info
| Number of Employees | 11 |
| Domestic Offices | 2 |
| 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 | http://www.statebankofstjacob.com |
| Data Updated | 01/30/2026 |
| CERT | 5730 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $87.63M |
| Total Deposits | $73.84M |
| Total Liabilities | $73.97M |
| Total Equity Capital | $13.65M |
| Net Income | $816.00k |
| Net Loans and Leases | $40.94M |
| Assets Per Employee ($Millions) | $8.76M |
| Bank Premises and Fixed Assets | $199.00k |
| Cash and Balances due from Depository Institutions | $4.45M |
| Deposits Held in Domestic Offices | $73.84M |
Key Performance Ratios
| Return on Assets (ROA) | 3.72% |
| Return on Equity (ROE) | 24.55% |
| Net Interest Margin | 3.89% |
| Efficiency Ratio | 34.19% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.583% |
| Earning Assets to total Assets | 97.47% |
Income and Expense
| Total Interest Income | $1.08M |
| Total Noninterest Income | $414.00k |
| Total Interest Expense | $255.00k |
| Total Noninterest Expense | $424.00k |
| Net Interest Income | $826.00k |
| Pre-tax Net Operating Income | $816.00k |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $30.52M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $133.00k |
| Total Liabilities and Capital | $87.63M |
Securities
| Securities | $11.24M |
| Available-for-sale debt securities | $11.24M |
| 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 St. Jacob?
$87.63M as of the latest filing.
How much are State Bank of St. Jacob's total deposits?
$73.84M in total deposits.
Where is State Bank of St. Jacob located?
Saint Jacob, IL.
What is the Net Interest Margin?
3.89%.
How many domestic offices does it operate?
2.
When was it established?
11/03/1903.
What is the Return on Assets (ROA)?
3.72%.
How much are total loans and leases?
$40.94M (latest filing).
What is the total interest income (latest filing)?
$1.08M.