State Bank of Graymont
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Graymont is an FDIC-insured commercial bank headquartered in Graymont, IL, established in 1913 (FDIC certificate 10434), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $312.7M, down 1.8% from Q2 2025, the 149th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.77% 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
- 10434
- Headquarters
- Graymont, IL
- Established
- 1913
- Total assets, Q2 2026
- $312.7M
- Assets vs Q2 2025
- -1.8%
- Tier 1 leverage ratio, Q2 2026
- 11.77%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071118222
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Graymont call report
- Holding company
- GRAYMONT BANCORP, INC.
- Asset rank in state
- 149th of 319 in Illinois
State Bank of Graymont, based in Graymont, Illinois, reported $313 million in assets at June 30, 2026, down 1.8% from a year earlier. It carries problem assets equal to 18.7% of the capital and reserves that would absorb them, 7.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 3.4% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Loans and deposits moved in opposite directions: over the year loans rose 5.3% and deposits fell 3.4%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.61% of loans, down from 3.90% a year earlier. Its margin is thin by comparison: it keeps 3.10 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, State Bank of Graymont reported a return on assets of 1.03%, a nonperforming-loan ratio of 3.61% and a Texas ratio of 18.68%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank of Graymont is the 149th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 3.2% to $312.7M, loans rose 4.5% and deposits fell 3.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 29.6% of total loans, followed by farmland and other real estate loans at 29.1%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in IL; its Pontiac 2 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, State Bank of Graymont meets the community bank leverage ratio test for well capitalized.
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
- 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, 1913
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $270.8M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $325.6M
- Average total loans
- $190.5M
- Average interest-bearing deposits
- $225.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10434
- Fed RSSD
- 937339
- Website
- www.sbofgray.com →
- Parent Holding Company
- GRAYMONT BANCORP, INC. (RSSD 1718209)
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, State Bank of Graymont reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, State Bank of Graymont's total assets ranged from $308.0M (Q3 2025) to $326.4M (Q3 2024), 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
$312.7M total assets against $318.3M; $275.5M total liabilities against $284.5M.
$194.4M net loans and leases against $184.6M; $270.8M total deposits against $280.3M.
$94.8M securities against $91.1M; $13.4M cash and balances due against $32.6M.
$3.6M total interest income against $3.0M; $1.3M total interest expense against $1.5M.
$2.3M net interest income against $1.5M.
$531K total noninterest income against $348K; $1.8M total noninterest expense against $1.7M.
$32K provision for credit losses against $0.
$836K net income against $177K.
1.03% return on assets against 0.22%; 3.10% net interest margin against 2.01%.
11.77% tier 1 leverage ratio against 10.99%.
Inside the full State Bank of Graymont terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
State Bank of Graymont rankings
Its closest position to the top of a national ranking is 202 of 3,640, for Texas Ratio; its furthest is 2,445 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.13% (Q4 2024) to 1.03% (Q2 2026) and its net interest margin ran from 2.01% (Q2 2025) to 3.10% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.77% | 1.03% | 3.61% | 18.68% | 3.10% |
| Q1 2026 | 11.36% | 0.93% | 3.82% | 19.22% | 2.90% |
| Q4 2025 | 11.49% | 0.71% | 3.80% | 19.26% | 2.86% |
| Q3 2025 | 11.61% | 0.83% | 3.84% | 20.34% | 2.80% |
| Q2 2025 | 10.99% | 0.22% | 3.90% | 21.10% | 2.01% |
| Q1 2025 | 10.81% | 0.79% | 3.19% | 17.05% | 2.57% |
| Q4 2024 | 10.64% | 0.13% | 0.55% | 3.21% | 2.40% |
| Q3 2024 | 10.81% | 0.58% | 0.14% | 0.85% | 2.54% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Pontiac Branch | Pontiac , IL | 61764 | $130.1M |
| State Bank of Graymont (main office) | Graymont , IL | 61743 | $78.3M |
| Chenoa Branch | Chenoa , IL | 61726 | $39.9M |
| Saunemin Office Branch | Saunemin , IL | 61769 | $22.5M |
| Pontiac Branch | Pontiac , IL | 61764 | $0 |
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 |
|---|---|---|---|
| January 5, 2022 | Structure Change | Acquired State Bank of Saunemin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 4, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 175 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 23 applications, 22 loans originated, $2.6M originated, across 1 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 State Bank of Graymont
What are State Bank of Graymont's total assets?
As of the Q2 2026 filing, State Bank of Graymont reported total assets of $312.7 million in its FFIEC call report.
Where is State Bank of Graymont headquartered?
It is headquartered in Graymont, IL, United States.
When was State Bank of Graymont founded?
It was established in 1913, per the FDIC institution directory.
Is State Bank of Graymont FDIC-insured?
Yes. It 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.
How many branches does State Bank of Graymont operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Graymont's Texas Ratio?
Its Texas Ratio is 18.68% 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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