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State Bank Of Graymont
Graymont, IL · FDIC Certificate #10434 · Chartered 01/0
Total assets
$312.70M
Total deposits
$270.84M
Total equity
$37.22M
Net loans
$194.41M
Branches (offices)
5
Net income (YTD)
$1.60M
Rank: #2,404 of 4,213 U.S. banks by assets · #151 of 322 in Illinois. Assets changed -1.8% and deposits -3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.00% |
| Return on equity | 8.73% |
| Net interest margin (YTD) | 3.01% |
| Equity to assets | 11.90% |
| Tier 1 leverage ratio | 11.77% |
| Uninsured deposits (share of deposits) | 21.2% |
| Noncurrent loans (share of loans) | 3.61% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 71.8% |
| Real estate loans (share of loans) | 70.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $136.69M | 70.3% | |
| Commercial & industrial | $19.61M | 10.1% | |
| Consumer / individual | $2.77M | 1.4% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $34.95M | 18.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $314.03M | $286.40M | $944.00K | $26.52M |
| Jun 2023 | $297.80M | $268.58M | $1.18M | $28.10M |
| Jun 2024 | $318.21M | $255.87M | $808.00K | $30.43M |
| Jun 2025 | $318.34M | $280.35M | $832.00K | $33.87M |
| Jun 2026 | $312.70M | $270.84M | $1.60M | $37.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $270.84M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $270.84M.
Similar-sized banks
The Payne County Bank ($313.18M) · Seneca Savings Bank, National Association ($312.48M)
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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