🏦Bank Scorer

SAINTE MARIE STATE BANK

SAINTE MARIE, IL · Supervised by FDIC

Est. 1900FDIC #12,086RSSD: FDIC-12086
Satisfactory Same

Current rating · Exam: September 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.91%

Institution Profile

FDIC BankFind

Address

103 North Main Street, SAINTE MARIE, IL

County

Jasper County

Established

January 1, 1900

Total Assets

$21M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$21M

Total Deposits

$17M

Net Loans

$8M

Net Income

$45K

ROA

0.91%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.93%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.91%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$15M

1-Year Change

+1

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Sep 2020SatisfactorySmall Bank
Dec 2014SatisfactorySmall Bank
Jun 2009SatisfactorySmall Bank

5 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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