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Scott State Bank
Bethany, IL · FDIC Certificate #8491 · Chartered 01/0
Total assets
$203.52M
Total deposits
$177.97M
Total equity
$23.85M
Net loans
$116.52M
Branches (offices)
7
Net income (YTD)
$1.14M
Rank: #2,950 of 4,213 U.S. banks by assets · #193 of 322 in Illinois. Assets changed -3.1% and deposits 0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 9.67% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 11.72% |
| Tier 1 leverage ratio | 13.67% |
| Uninsured deposits (share of deposits) | 17.9% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 65.5% |
| Real estate loans (share of loans) | 69.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $80.40M | 69.0% | |
| Commercial & industrial | $27.25M | 23.4% | |
| Consumer / individual | $4.00M | 3.4% | |
| Construction & development | $4.92M | 4.2% | |
| Agricultural | $5.05M | 4.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $206.20M | $187.79M | $678.00K | $18.13M |
| Jun 2023 | $209.12M | $190.75M | $1.04M | $17.67M |
| Jun 2024 | $203.71M | $177.99M | $695.00K | $18.05M |
| Jun 2025 | $210.00M | $176.41M | $916.00K | $21.95M |
| Jun 2026 | $203.52M | $177.97M | $1.14M | $23.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $177.97M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $177.97M.
Similar-sized banks
Greeneville Federal Bank, FSB ($203.87M) · Boc Bank ($203.36M)
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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