Banks SCOTT STATE BANK

SCOTT STATE BANK

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

SCOTT STATE BANK is an 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%. CET1 capital ratio: 11.53%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.16%.

Assets
$203M
Deposits
$178M
Loans
$121M
Equity
$23M

Profitability

Return on Assets (ROA)0.84%
Return on Equity (ROE)7.52%
Net Interest Margin3.74%
Yield on Assets4.83%
Cost of Funds1.14%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio0.26%
Texas Ratio0.16%
NPA Ratio0.02%
ACL / Loans1.00%

Capital & Liquidity

CET1 Ratio11.53%
Tier 1 Capital11.53%
Total Capital Ratio12.11%
Leverage Ratio13.45%
Loan-to-Deposit68.18%

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