SCOTT STATE BANK

BETHANY, IL | Small | Est. Jan. 1, 1887, midnight | FDIC #8491 | RSSD #443634 | FDIC
Latest Report: 2025-12-31

SCOTT STATE BANK is asn small FDIC-insured commercial bank headquartered in BETHANY, IL, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $203M and total deposits of $178M. Profitability stands at 0.84% ROA and 7.52% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 11.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.16%. FDIC Certificate #8491.

Assets

$203M

Deposits

$178M

Loans

$121M

Equity

$23M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 7.52%
Net Interest Margin (NIM) 3.74%
Yield on Assets 4.83%
Cost of Funds 1.14%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.26%
Texas Ratio 0.16%
NPA Ratio 0.02%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 11.53%
Tier 1 Capital 11.53%
Total Capital Ratio 12.11%
Leverage Ratio 13.45%
Loan-to-Deposit 68.18%

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