Scott State Bank
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Data as of · sourced from FFIEC call reports. How we update
Scott State Bank is an FDIC-insured commercial bank headquartered in Bethany, IL, established in 1887 (FDIC certificate 8491), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $203.5M, down 3.1% from Q2 2025, the 191st largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.67% 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
- 8491
- Headquarters
- Bethany, IL
- Established
- 1887
- Total assets, Q2 2026
- $203.5M
- Assets vs Q2 2025
- -3.1%
- Tier 1 leverage ratio, Q2 2026
- 13.67%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 071109228
- Latest call report
- Q2 2026, FFIEC 051 · Scott State Bank call report
- Holding company
- SCOTT BANCSHARES, INC.
- Asset rank in state
- 191st of 319 in Illinois
Scott State Bank, based in Bethany, Illinois, reported $204 million in assets at June 30, 2026, down 3.1% from a year earlier. It pays an average of 1.03% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 1.5% over the year, lower than about three-quarters of banks its size (median 5.5%).
Unrealized losses on its securities total $4.4 million, equal to 15% of Tier 1 capital, against 20% a year earlier. Net income for the quarter rose 13% from a year earlier, to $573,000.
As of June 30, 2026, Scott State Bank reported a return on assets of 1.11%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.15%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Scott State Bank is the 191st largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.9% to $203.5M, loans rose 1.2% and deposits fell 2.3%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 23.1% of total loans, followed by 1-4 family residential loans at 21.8%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in IL; its Bethany office books 29% of its branch deposits. By the capital ratios in its Q2 2026 call report, Scott State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Main St, Bethany, IL 61914
- County
- Moultrie
- 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 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $178.0M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $206.3M
- Average total loans
- $117.1M
- Average interest-bearing deposits
- $136.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8491
- Fed RSSD
- 443634
- Website
- www.scottbancshares.com →
- Parent Holding Company
- SCOTT BANCSHARES, INC. (RSSD 1206425)
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, Scott State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Scott State Bank's total assets moved between a low of $202.8M (Q4 2025) and a high of $216.0M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$203.5M total assets against $210.0M; $179.7M total liabilities against $188.0M.
$116.5M net loans and leases against $118.5M; $178.0M total deposits against $176.4M.
$67.9M securities against $72.4M; $9.8M cash and balances due against $9.9M.
$2.3M total interest income against $2.3M; $473K total interest expense against $589K.
$1.8M net interest income against $1.7M.
$299K total noninterest income against $284K; $1.5M total noninterest expense against $1.5M.
$75K provision for credit losses against $0.
$573K net income against $506K.
1.11% return on assets against 0.96%; 3.77% net interest margin against 3.34%.
13.67% tier 1 leverage ratio against 13.11%.
Inside the full Scott State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeScott State Bank rankings
Its closest position to the top of a national ranking is 2,252 of 3,611, for ROA; its furthest is 2,642 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q4 2024) to 1.11% (Q2 2026) and its net interest margin ran from 3.03% (Q3 2024) to 3.77% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.67% | 1.11% | 0.24% | 1.15% | 3.77% |
| Q1 2026 | 13.63% | 1.10% | 0.50% | 2.35% | 3.68% |
| Q4 2025 | 13.45% | 0.84% | 1.49% | 7.30% | 3.63% |
| Q3 2025 | 13.08% | 1.07% | 0.43% | 2.15% | 3.43% |
| Q2 2025 | 13.11% | 0.96% | 0.30% | 1.56% | 3.34% |
| Q1 2025 | 12.84% | 0.77% | 0.20% | 1.10% | 3.17% |
| Q4 2024 | 12.57% | 0.77% | 0.42% | 2.51% | 3.16% |
| Q3 2024 | 12.84% | 0.99% | 0.55% | 2.80% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Scott State Bank (main office) | Bethany , IL | 61914 | $52.1M |
| State Bank of Niantic Branch | Niantic , IL | 62551 | $34.7M |
| Sullivan Branch | Sullivan , IL | 61951 | $31.8M |
| Maroa Branch | Maroa , IL | 61756 | $22.0M |
| Decatur Branch | Decatur , IL | 62522 | $15.5M |
| Mount Zion Il Branch | Mount Zion , IL | 62549 | $15.2M |
| Dalton City Branch | Dalton City , IL | 61925 | $6.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Structure Change | Acquired State Bank of Niantic Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Structure Change | Acquired Maroa Forsyth Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1998 | Structure Change | Acquired The Hight State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 224 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 86 applications, 66 loans originated, $8.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Scott State Bank
What are Scott State Bank's total assets?
As of the Q2 2026 filing, Scott State Bank reported total assets of $203.5 million in its FFIEC call report.
Where is Scott State Bank headquartered?
It is headquartered in Bethany, IL, United States.
When was Scott State Bank founded?
It was established in 1887, per the FDIC institution directory.
Is Scott State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Scott State Bank?
Scott State Bank's primary federal regulator is the FDIC.
How many branches does Scott State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Scott State Bank's Texas Ratio?
Its Texas Ratio is 1.15% 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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