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State Bank
Waterloo, IL · FDIC Certificate #12706 · Chartered 01/0
Total assets
$295.85M
Total deposits
$266.98M
Total equity
$22.65M
Net loans
$204.65M
Branches (offices)
5
Net income (YTD)
$618.00K
Rank: #2,492 of 4,213 U.S. banks by assets · #158 of 322 in Illinois. Assets changed -3.2% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.40% |
| Return on equity | 5.55% |
| Net interest margin (YTD) | 3.31% |
| Equity to assets | 7.66% |
| Tier 1 leverage ratio | 9.23% |
| Uninsured deposits (share of deposits) | 11.5% |
| Noncurrent loans (share of loans) | 1.28% |
| Net charge-offs (share of loans) | 0.66% |
| Loans to deposits | 76.7% |
| Real estate loans (share of loans) | 90.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $185.86M | 90.8% | |
| Commercial & industrial | $14.44M | 7.1% | |
| Consumer / individual | $1.55M | 0.8% | |
| Construction & development | $24.38M | 11.9% | |
| Agricultural | $470.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $300.96M | $248.52M | $308.00K | $14.63M |
| Jun 2023 | $319.35M | $239.78M | $258.00K | $16.83M |
| Jun 2024 | $324.72M | $252.43M | -$387.00K | $17.61M |
| Jun 2025 | $305.73M | $259.88M | $934.00K | $20.11M |
| Jun 2026 | $295.85M | $266.98M | $618.00K | $22.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $216.93M | 4 |
| Missouri | $50.05M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $266.98M.
Similar-sized banks
United Bank ($295.96M) · Kaw Valley State Bank And Trust Company ($295.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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