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 fell 8 points (60 → 52), mostly because the problem-loan coverage component weakened by 30 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. State Bank is an FDIC-insured institution (FDIC certificate #12706). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.5% of deposits ($30.6M) 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 9.23%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.41% (benchmark: 10%).

Check how much of your own balance is covered

State Bank lists 5 offices in 4 cities across 2 states. Most locations:

• Waterloo, IL (2)
• Columbia, IL (1)
• Saint Louis, MO (1)
• Valmeyer, IL (1)

All branch addresses and map

In 2025, State Bank reported 95 home-loan applications under HMDA (LEI 254900CHU7PX7ZS6RI74): 73 originated ($16,195,000 total), 15 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.3%, 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

State Bank

Former names

State Bank of Waterloo

Type

State-chartered bank

FDIC certificate #

12706

RSSD ID

266244

Primary regulator

FDIC

Holding company

Sbw Bancshares Inc

Established

January 4, 1894

Headquarters

885 N Illinois Route 3, Waterloo, IL 62298

Website

www.sbw.bank

Employees

54