STATE BANK OF GRAYMONT

GRAYMONT, IL | Small | Est. Jan. 1, 1913, midnight | FDIC #10434 | RSSD #937339 | FDIC
Latest Report: 2025-12-31

STATE BANK OF GRAYMONT is asn small FDIC-insured commercial bank headquartered in GRAYMONT, IL, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $323M and total deposits of $282M. Profitability stands at 0.73% ROA and 6.40% ROE, with a net interest margin of 2.98%. The bank's CET1 capital ratio is 10.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.80% and a Texas Ratio of 18.47%. FDIC Certificate #10434.

Assets

$323M

Deposits

$282M

Loans

$188M

Equity

$36M

Profitability

Return on Assets (ROA) 0.73%
Return on Equity (ROE) 6.40%
Net Interest Margin (NIM) 2.98%
Yield on Assets 4.82%
Cost of Funds 1.93%

Asset Quality

NPL Ratio 3.80%
Net Charge-Off Ratio 0.01%
Texas Ratio 18.47%
NPA Ratio 2.21%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 10.36%
Tier 1 Capital 10.36%
Total Capital Ratio 10.88%
Leverage Ratio 11.49%
Loan-to-Deposit 66.57%

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