State Bank of Graymont
State Bank of Graymont is an FDIC-insured commercial bank. On its most recent Q1 2026 call report, State Bank of Graymont reported $323M in total assets against $282M in deposits. Returns are in line with industry norms at 0.93% ROA and 8.40% ROE; net interest margin is 2.90%. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.36% exceeds the 9% CBLR threshold. Credit metrics show stress — 3.82% NPLs and a 19.22% Texas Ratio above the 100% historical failure threshold. It operates 5 branches, primarily in Illinois.
Headquarters Profile
- Address
- 204 Main St, GRAYMONT, IL 61743
- County
- Livingston
- Metro Area
- PONTIAC, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- January 1, 1913
- Branches
- 5 domestic
- Employees (FTE)
- 43
- FDIC Cert
- 10434
- Fed RSSD
- 937339
- Website
- www.sbofgray.com →
- Parent Holding Company
- GRAYMONT BANCORP, INC. (RSSD 1718209)
Inside the full State Bank of Graymont terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock State Bank of Graymont — freeThis is just State Bank of Graymont's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
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 of Graymont 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… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- FailureFailure / assisted resolutionFDIC FAILURES
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Similar banks
Compare State Bank of Graymont with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about State Bank of Graymont
What are State Bank of Graymont's total assets?
As of the Q1 2026 filing, State Bank of Graymont reported total assets of $323.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank of Graymont headquartered?
State Bank of Graymont is headquartered in GRAYMONT, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank of Graymont founded?
State Bank of Graymont was established in 1913, per the FDIC institution directory.
Is State Bank of Graymont FDIC-insured?
Yes. State Bank of Graymont is an FDIC-insured commercial bank (FDIC Certificate #10434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Graymont?
State Bank of Graymont's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does State Bank of Graymont operate?
State Bank of Graymont operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is State Bank of Graymont's Texas Ratio?
State Bank of Graymont's Texas Ratio is 19.22% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on State Bank of Graymont.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required