State Bank of Graymont is a state-chartered bank headquartered in Graymont, Illinois, in business for about 113 years. At the end of Q2 2026 it reported $312.7M in total assets and $270.8M in deposits, with 5 offices.
Based on its Q2 2026 filing, State Bank of Graymont scores 51/100, which we describe as below average. That is higher than only 8% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 289th. Its strongest component is funding & liquidity (81/100; 72% loans-to-deposits, 21% uninsured), and its lowest is loan quality (0/100; 3.61%).
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 rose 6 points (45 → 51), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 71 |
| Q4 2024 | 67 |
| Q1 2025 | 48 |
| Q2 2025 | 45 |
| Q3 2025 | 47 |
| Q4 2025 | 47 |
| Q1 2026 | 50 |
| Q2 2026 | 51 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.67% |
| Q3 2024 | 10.81% |
| Q4 2024 | 10.64% |
| Q1 2025 | 10.81% |
| Q2 2025 | 10.99% |
| Q3 2025 | 11.61% |
| Q4 2025 | 11.49% |
| Q1 2026 | 11.36% |
| Q2 2026 | 11.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.55% |
| Q1 2025 | 3.19% |
| Q2 2025 | 3.90% |
| Q3 2025 | 3.84% |
| Q4 2025 | 3.80% |
| Q1 2026 | 3.82% |
| Q2 2026 | 3.61% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.95% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $312.7M | 11.77% | 3.61% | 1.00% | 71.8% |
| Q1 2026 | 50 | $323.1M | 11.36% | 3.82% | 0.95% | 66.1% |
| Q4 2025 | 47 | $323.0M | 11.49% | 3.80% | 0.65% | 65.7% |
| Q3 2025 | 47 | $308.0M | 11.61% | 3.84% | 0.62% | 70.7% |
| Q2 2025 | 45 | $318.3M | 10.99% | 3.90% | 0.52% | 65.8% |
| Q1 2025 | 48 | $322.9M | 10.81% | 3.19% | 0.82% | 63.0% |
| Q4 2024 | 67 | $317.1M | 10.64% | 0.55% | 0.43% | 67.4% |
| Q3 2024 | 71 | $326.4M | 10.81% | 0.14% | 0.53% | 76.5% |
| Q2 2024 | 72 | $318.2M | 10.67% | 0.06% | 0.51% | 73.4% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| Community BankBank Winslow, IL | 75 out of 100, Strong | $310.8M | 16.0% | 1.50% | vs |
| Longview Community BankBank Mount Pulaski, IL | 45 out of 100, Below average | $316.8M | 8.5% | 2.40% | vs |
| Hometown National BankBank La Salle, IL | 78 out of 100, Strong | $307.2M | 11.3% | 0.17% | vs |
| Community State Bank of Rock FallsBank Rock Falls, IL | 49 out of 100, Below average | $318.4M | 12.0% | 4.67% | vs |
| 1NB BankBank Carlyle, IL | 74 out of 100, Strong | $319.0M | 10.3% | 0.07% | vs |
| First Secure State BankBank Wonder Lake, IL | 68 out of 100, Moderate | $305.6M | 13.0% | 1.31% | vs |
Deposit insurance
Is my money safe at State Bank of Graymont?
Yes. State Bank of Graymont is an FDIC-insured institution (FDIC certificate #10434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.2% of deposits ($57.5M) 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 11.77%, 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%).
5 locations
Branches
State Bank of Graymont lists 4 offices in 4 cities. Most locations:
- Chenoa, IL (1)
- Graymont, IL (1)
- Pontiac, IL (1)
- Saunemin, IL (1)
Identity & history
Profile
- Legal name
- State Bank of Graymont
- Type
- State-chartered bank
- FDIC certificate #
- 10434
- RSSD ID
- 937339
- Primary regulator
- FDIC
- Holding company
- Graymont Bcorp Inc
- Established
- January 1, 1913
- Headquarters
- 204 Main St, Graymont, IL 61743
- Website
- www.sbofgray.com
- Employees
- 43
Quick answers
State Bank of Graymont: common questions
Is State Bank of Graymont FDIC insured?
Yes. State Bank of Graymont is an FDIC-insured institution (FDIC certificate #10434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Graymont's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has State Bank of Graymont ever failed?
There is no failure record for FDIC certificate #10434 in the FDIC failed bank list.
How many branches does State Bank of Graymont have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Graymont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Streator Onized Credit UnionCredit union Streator, IL | 84 out of 100, Strong | $423.3M | 15.6% | 0.47% | vs |
| Pontiac Dwight Prison Employs Credit UnionCredit union Pontiac, IL | 81 out of 100, Strong | $8.3M | 10.8% | 0.00% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Streator Community Credit UnionCredit union Streator, IL | 80 out of 100, Strong | $42.3M | 11.0% | 0.43% | vs |
| Bank of PontiacBank Pontiac, IL | 72 out of 100, Strong | $1.2B | 10.4% | 0.27% | vs |
| Morton Community BankBank Morton, IL | 72 out of 100, Strong | $5.3B | 10.6% | 0.81% | vs |