Headquartered in Sainte Marie, Illinois, Sainte Marie State Bank is a state-chartered bank with $23.0M in total assets and $19.2M in deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1900.
Sainte Marie State Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 56% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 107th. Capital cushion contributes the most (100/100, 15.83%); earnings contributes the least (0/100, -0.74%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 17 points (93 → 76), mostly because the earnings component weakened by 64 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 96 |
| Q4 2024 | 80 |
| Q1 2025 | 100 |
| Q2 2025 | 93 |
| Q3 2025 | 95 |
| Q4 2025 | 100 |
| Q1 2026 | 88 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.74% |
| Q3 2024 | 22.60% |
| Q4 2024 | 22.24% |
| Q1 2025 | 22.11% |
| Q2 2025 | 20.64% |
| Q3 2025 | 19.09% |
| Q4 2025 | 19.50% |
| Q1 2026 | 18.45% |
| Q2 2026 | 15.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 1.26% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.31% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.55% |
| Q4 2024 | 0.91% |
| Q1 2025 | 2.19% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.41% |
| Q4 2025 | 2.03% |
| Q1 2026 | 0.91% |
| Q2 2026 | -0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $23.0M | 15.83% | 0.31% | -0.74% | 46.5% |
| Q1 2026 | 88 | $20.7M | 18.45% | 0.33% | 0.91% | 50.0% |
| Q4 2025 | 100 | $18.9M | 19.50% | 0.00% | 2.03% | 52.5% |
| Q3 2025 | 95 | $17.7M | 19.09% | 0.00% | 1.41% | 46.9% |
| Q2 2025 | 93 | $18.2M | 20.64% | 0.00% | 1.11% | 38.3% |
| Q1 2025 | 100 | $15.5M | 22.11% | 0.00% | 2.19% | 46.2% |
| Q4 2024 | 80 | $14.4M | 22.24% | 1.26% | 0.91% | 50.3% |
| Q3 2024 | 96 | $14.6M | 22.60% | 0.00% | 1.55% | 49.3% |
| Q2 2024 | 92 | $14.8M | 21.74% | 0.00% | 1.05% | 48.1% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Bank of MaconBank Macon, IL | 82 out of 100, Strong | $22.7M | 13.6% | 0.00% | vs |
| Chesterfield State BankBank Chesterfield, IL | 43 out of 100, Below average | $21.7M | 8.2% | 11.20% | vs |
| The First National Bank of AssumptionBank Assumption, IL | 70 out of 100, Strong | $25.2M | 11.1% | 1.24% | vs |
| Farmers State Bank of MedoraBank Medora, IL | 69 out of 100, Moderate | $20.4M | 15.5% | 1.70% | vs |
| Campus State BankBank Campus, IL | 87 out of 100, Very strong | $26.2M | 12.3% | 0.00% | vs |
| Hartsburg State BankBank Hartsburg, IL | 73 out of 100, Strong | $18.1M | 11.5% | 0.20% | vs |
Deposit insurance
Is my money safe at Sainte Marie State Bank?
Yes. Sainte Marie State Bank is an FDIC-insured institution (FDIC certificate #12086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.1% of deposits ($4.6M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Sainte Marie State Bank lists 2 offices in 2 cities across 2 states. Most locations:
- Sainte Marie, IL (1)
- Sweetwater, TN (1)
Identity & history
Profile
- Legal name
- Sainte Marie State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12086
- RSSD ID
- 363442
- Primary regulator
- FDIC
- Established
- January 1, 1900
- Headquarters
- 103 North Main Street, Sainte Marie, IL 62459
- Website
- saintemariestatebank.com
- Employees
- 8
Quick answers
Sainte Marie State Bank: common questions
Is Sainte Marie State Bank FDIC insured?
Yes. Sainte Marie State Bank is an FDIC-insured institution (FDIC certificate #12086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sainte Marie State Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Sainte Marie State Bank ever failed?
There is no failure record for FDIC certificate #12086 in the FDIC failed bank list.
How many branches does Sainte Marie State Bank have?
2 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Sainte Marie
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers & Merchants Bank of HutsonvilleBank Hutsonville, IL | 95 out of 100, Very strong | $52.0M | 18.5% | 0.00% | vs |
| Citizens National Bank of AlbionBank Albion, IL | 88 out of 100, Very strong | $348.5M | 17.4% | 0.54% | vs |
| Hershey Robinson Employees Credit UnionCredit union Robinson, IL | 86 out of 100, Very strong | $3.3M | 25.0% | 1.37% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| The First National Bank of CarmiBank Carmi, IL | 75 out of 100, Strong | $622.2M | 11.4% | 0.35% | vs |
| Ambraw Federal Credit UnionCredit union Lawrenceville, IL | 72 out of 100, Strong | $16.7M | 9.9% | 0.16% | vs |