BanksSTATE BANK OF ST. JACOB

STATE BANK OF ST. JACOB

SAINT JACOB, ILMicroRSSD #362940
Latest · 2025-12-31

STATE BANK OF ST. JACOB is an FDIC-insured commercial bank headquartered in SAINT JACOB, IL. As of 2025-12-31, the bank reported total assets of $88M and total deposits of $74M. Profitability stands at 3.72% ROA and 24.55% ROE, with a net interest margin of 4.09%. CET1 capital ratio: 15.58%, well above regulatory minimums. NPL ratio: 0.50% · Texas Ratio: 1.41%. Operates 2 domestic branches.

Assets
$88M
Deposits
$74M
Loans
$42M
Equity
$14M

Profitability

Return on Assets (ROA)3.72%
Return on Equity (ROE)24.55%
Net Interest Margin4.09%
Yield on Assets5.36%
Cost of Funds1.37%

Asset Quality

NPL Ratio0.50%
Net Charge-Off Ratio1.62%
Texas Ratio1.41%
NPA Ratio0.24%
ACL / Loans3.24%

Capital & Liquidity

CET1 Ratio15.58%
Tier 1 Capital15.58%
Total Capital Ratio16.36%
Leverage Ratio15.67%
Loan-to-Deposit57.30%

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