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State Bank

Waterloo, IL
IDRSSD: 266244
Total Assets
$304.18M
Latest filing
Total Deposits
$260.80M
Latest filing
Net Interest Margin
3.40%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/04/1894
Community BankYes
Ownership TypeNot Mutual
ZIP62298
State and County Number17133
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameSt. Louis, MO-IL

Operational Info

Number of Employees49
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.sbw.bank
Data Updated11/14/2025
CERT12706
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$304.18M
Total Deposits$260.80M
Total Liabilities$282.05M
Total Equity Capital$22.13M
Net Income$493.00k
Net Loans and Leases$189.24M
Assets Per Employee ($Millions)$6.34M
Bank Premises and Fixed Assets$4.70M
Cash and Balances due from Depository Institutions$40.22M
Deposits Held in Domestic Offices$260.80M

Key Performance Ratios

Return on Assets (ROA)0.65%
Return on Equity (ROE)9.34%
Net Interest Margin3.4%
Efficiency Ratio74.72%
Tier 1 Risk-Based Capital Ratio10.877%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.07%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.276%
Earning Assets to total Assets91.72%

Income and Expense

Total Interest Income$3.96M
Total Noninterest Income$354.00k
Total Interest Expense$1.56M
Total Noninterest Expense$2.05M
Net Interest Income$2.39M
Pre-tax Net Operating Income$644.00k
Provision for Credit Losses$50.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$677.00k
Other borrowed funds$20.20M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.05M
Total Liabilities and Capital$304.18M

Securities

Securities$59.77M
Available-for-sale debt securities$59.77M
Equity securities with readily determinable fair values not held for trading$0
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?
$304.18M as of the latest filing.
How much are State Bank's total deposits?
$260.80M in total deposits.
Where is State Bank located?
Waterloo, IL.
What is the Net Interest Margin?
3.40%.
How many domestic offices does it operate?
5.
When was it established?
01/04/1894.
What is the Return on Assets (ROA)?
0.65%.
How much are total loans and leases?
$189.24M (latest filing).
What is the total interest income (latest filing)?
$3.96M.