Sainte Marie State Bank
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Data as of · sourced from FFIEC call reports. How we update
Sainte Marie State Bank is an FDIC-insured commercial bank headquartered in Sainte Marie, IL (FDIC certificate 12086), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $23.0M, up 25.8% from Q2 2025, the 313th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.45% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12086
- Headquarters
- Sainte Marie, IL
- Established
- Not reported
- Total assets, Q2 2026
- $23.0M
- Assets vs Q2 2025
- +25.8%
- Tier 1 leverage ratio, Q2 2026
- 16.45%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081215649
- Latest call report
- Q2 2026, FFIEC 051 · Sainte Marie State Bank call report
- Asset rank in state
- 313th of 319 in Illinois
Problem loans are rising at Sainte Marie State Bank. It reported $23 million in assets at June 30, 2026, up 25.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.31% of loans from 0.00% a year earlier. It loses about $2.06 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 148 cents to bring in each dollar of revenue, about double the median of 69 cents for banks its size.
It lost $115,000 in the quarter. Over the same year, loans grew 59.5% and deposits grew 31.4%.
As of June 30, 2026, Sainte Marie State Bank reported a return on assets of -2.06%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 0.73%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Sainte Marie State Bank is the 313th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 10.7% to $23.0M, loans rose 6.3% and deposits rose 13.7%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 40.1% of total loans, followed by 1-4 family residential loans at 20.9%. The FDIC Summary of Deposits lists 2 offices for it, in Sainte Marie, IL and Sweetwater, TN; its Sainte Marie office books 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, Sainte Marie State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 103 North Main Street, Sainte Marie, IL 62459
- County
- Jasper
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $19.2M
- Allowance for credit losses
- $145K
- Net charge-offs (YTD)
- $17K
- Average total assets
- $22.3M
- Average total loans
- $9.1M
- Average interest-bearing deposits
- $12.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12086
- Fed RSSD
- 363442
- Website
- saintemariestatebank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Sainte Marie State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Sainte Marie State Bank's total assets ran between $14.4M (Q3 2023) and $23.0M (Q2 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$23.0M total assets against $18.2M; $19.3M total liabilities against $14.6M.
$8.9M net loans and leases against $5.6M; $19.2M total deposits against $14.6M.
$2.9M securities against $3.0M; $10.3M cash and balances due against $8.9M.
$354K total interest income against $228K; $70K total interest expense against $44K.
$284K net interest income against $184K.
-$121K total noninterest income against $271K; $242K total noninterest expense against $199K.
$36K provision for credit losses against $0.
-$115K net income against $289K.
-2.06% return on assets against 7.04%; 6.81% net interest margin against 4.89%.
16.45% tier 1 leverage ratio against 22.16%.
Inside the full Sainte Marie State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.09% (Q4 2025) to 7.04% (Q2 2025) and its net interest margin ran from 2.67% (Q4 2025) to 6.81% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.45% | -2.06% | 0.31% | 0.73% | 6.81% |
| Q1 2026 | 19.10% | 0.12% | 0.33% | 0.72% | 5.27% |
| Q4 2025 | 19.50% | -3.09% | 0.00% | 0.00% | 2.67% |
| Q3 2025 | 20.46% | 2.59% | 0.00% | 0.00% | 6.67% |
| Q2 2025 | 22.16% | 7.04% | 0.00% | 0.00% | 4.89% |
| Q1 2025 | 22.11% | 2.14% | 0.00% | 0.00% | 4.69% |
| Q4 2024 | 22.24% | -1.02% | 1.26% | 2.16% | 4.49% |
| Q3 2024 | 22.60% | 2.55% | 0.00% | 0.00% | 5.02% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sainte Marie State Bank (main office) | Sainte Marie , IL | 62459 | $11.2M |
| Sweetwater Valley Bank A Division of Sainte Marie State Bank Branch | Sweetwater , TN | 37874 | $8.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 377 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sainte Marie State Bank
What are Sainte Marie State Bank's total assets?
As of the Q2 2026 filing, Sainte Marie State Bank reported total assets of $23.0 million in its FFIEC call report.
Where is Sainte Marie State Bank headquartered?
It is headquartered in Sainte Marie, IL, United States.
Is Sainte Marie State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sainte Marie State Bank?
Sainte Marie State Bank's primary federal regulator is the FDIC.
How many branches does Sainte Marie State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sainte Marie State Bank's Texas Ratio?
Its Texas Ratio is 0.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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