State Bank of St. Jacob
Saint Jacob, IL · Cert 5730 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=39-41)
FDIC · 2 branches
Q4 2025
$87.6MAssets
$42.3MLoans
$73.8MDeposits
$13.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 1 of 41).
- Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets in the St. Louis, MO-IL area (rank 33 of 39).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.47%
Rank 5 of 41
Net Interest Margin
3.74%
Rank 7 of 41
Efficiency Ratio
36.43%
Rank 1 of 41
Equity / Assets
15.58%
Rank 5 of 41
Non-interest income vs. expense
Unfavorable gap of $0.9M · efficiency ratio beats 100% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.62% | 0.94% | 1.16% | Beats 88% | 5 / 41 | | |
| Return on Equity | 9.42% | 6.56% | 8.56% | 11.10% | Beats 54% | 19 / 41 | | |
| Net Interest Margin | 3.74% | 2.76% | 3.15% | 3.46% | Beats 83% | 7 / 41 | | |
| Efficiency Ratio | 36.43% | 57.04% | 64.80% | 75.42% | Beats 100% | 1 / 41 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.95% | 0.14% | 0.54% | 1.91% | Beats 18% | 33 / 39 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.67% | 10.57% | 12.39% | 16.40% | Beats 68% | 13 / 41 | | |
| Total Risk-Based Capital Ratio | 15.67% | 11.65% | 13.39% | 17.06% | Beats 68% | 13 / 41 | | |
| Equity / Assets | 15.58% | 8.56% | 9.50% | 11.75% | Beats 88% | 5 / 41 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.30% | 65.08% | 78.65% | 96.48% | 13th pctl | 34 / 39 | | |
| Loans / Assets | 48.28% | 54.17% | 68.63% | 76.72% | 13th pctl | 34 / 39 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.67% | Beats 100% | 27 / 41 | | |