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.

From Q2 2025 to Q2 2026, the score rose 5 points (81 → 86), mostly because the earnings component improved by 11 points.

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

Yes. Scott State Bank is an FDIC-insured institution (FDIC certificate #8491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.9% of deposits ($31.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.67%, 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%).

Check how much of your own balance is covered

Scott State Bank lists 7 offices in 7 cities. Most locations:

• Bethany, IL (1)
• Dalton City, IL (1)
• Decatur, IL (1)
• Maroa, IL (1)
• Mount Zion, IL (1)
• Niantic, IL (1)
• Sullivan, IL (1)

All branch addresses and map

In 2025, Scott State Bank reported 86 home-loan applications under HMDA (LEI 549300VJ2DUIQKBO9U08): 66 originated ($8,310,000 total), 18 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Scott State Bank

Type

State-chartered bank

FDIC certificate #

8491

RSSD ID

443634

Primary regulator

FDIC

Holding company

Scott Bancshares Inc

Established

January 1, 1887

Headquarters

101 W Main St, Bethany, IL 61914

Website

www.scottbancshares.com

Employees

49