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Sainte Marie State Bank
Sainte Marie, IL · FDIC Certificate #12086 · Chartered 01/0
Total assets
$22.96M
Total deposits
$19.19M
Total equity
$3.70M
Net loans
$8.93M
Branches (offices)
2
Net income (YTD)
-$77.00K
Rank: #4,179 of 4,213 U.S. banks by assets · #316 of 322 in Illinois. Assets changed 25.8% and deposits 31.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.74% |
| Return on equity | -4.25% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 16.13% |
| Tier 1 leverage ratio | 15.83% |
| Uninsured deposits (share of deposits) | 24.1% |
| Noncurrent loans (share of loans) | 0.31% |
| Net charge-offs (share of loans) | 0.40% |
| Loans to deposits | 46.5% |
| Real estate loans (share of loans) | 90.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $8.12M | 90.9% | |
| Commercial & industrial | $526.00K | 5.9% | |
| Consumer / individual | $394.00K | 4.4% | |
| Construction & development | $1.28M | 14.3% | |
| Agricultural | $34.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $15.62M | $12.72M | -$160.00K | $2.86M |
| Jun 2023 | $14.65M | $11.58M | $33.00K | $3.06M |
| Jun 2024 | $14.77M | $11.53M | $78.00K | $3.20M |
| Jun 2025 | $18.24M | $14.60M | $89.00K | $3.62M |
| Jun 2026 | $22.96M | $19.19M | -$77.00K | $3.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $11.20M | 1 |
| Tennessee | $7.99M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $19.19M.
Similar-sized banks
First City Bank ($22.99M) · Peoples Bank Of Macon ($22.70M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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