State Bank
Operating from Waterloo, IL, State Bank serves its local market as an FDIC-insured commercial bank, during the post-Reconstruction banking expansion. Total assets stand at $320M. Profitability runs below industry average — 0.31% ROA, 4.26% ROE, with NIM at 3.11%. Capital is comfortably above regulatory minimums — CET1 ratio of 10.60% sits well above the 7% well-capitalized threshold. Credit metrics show stress — 3.83% NPLs and a 31.34% Texas Ratio above the 100% historical failure threshold. 5 branches make up the footprint.
Headquarters Profile
- Address
- 885 N Illinois Route 3, WATERLOO, IL 62298
- County
- Monroe
- Metro Area
- ST. LOUIS, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- January 4, 1894
- Branches
- 5 domestic
- Employees (FTE)
- 54
- FDIC Cert
- 12706
- Fed RSSD
- 266244
- Website
- www.sbw.bank →
- Parent Holding Company
- SBW BANCSHARES, INC. (RSSD 3939473)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Similar banks
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Frequently asked about State Bank
What are State Bank's total assets?
As of the Q1 2026 filing, State Bank reported total assets of $320.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank headquartered?
State Bank is headquartered in WATERLOO, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank founded?
State Bank was established in 1894, per the FDIC institution directory.
Is State Bank FDIC-insured?
Yes. State Bank is an FDIC-insured commercial bank (FDIC Certificate #12706). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank?
State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Bank's CET1 capital ratio?
State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.60% in its most recent quarterly filing — above regulatory minimums.
How many branches does State Bank operate?
State Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is State Bank's Texas Ratio?
State Bank's Texas Ratio is 31.34% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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