|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 SBH State Bank of Herscher Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 23, 2026
You can compare SBH State Bank of Herscher rates to other rates in our database, including 12-month CD rates currently at 3.80%, 6-month CD rates at 1.50% and 3-month CD rates at 0.50%. Savings rates are at 0.50% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates can be compared to SBH State Bank of Herscher rates. MonitorBankRates evaluates the financial stability of SBH State Bank of Herscher with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.43%. Rates were last updated on 04/23/2026. SBH State Bank of Herscher money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SBH State Bank of Herscher? Share your experience about SBH State Bank of Herscher by leaving a review below, or read customer reviews before you decide to use SBH State Bank of Herscher. 
SBH State Bank of Herscher Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for SBH State Bank of Herscher is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather SBH State Bank of Herscher rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with SBH State Bank of Herscher's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
SBH State Bank of Herscher
Bank Holding Company
FORESIGHT FINANCIAL GROUP INC
Address
10 Tobey Dr,
Herscher, IL 60941 · Kankakee
Website
https://www.sbherscher.com
FDIC Certificate #
11671
Established
05/20/1902
FDIC Insurance Date
01/01/1934
Domestic Offices
2
Total Branches
0
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 95/100
5.0
Exceptional
Out of 5.0 Stars
9.43%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8921%
Return on Equity (ROE)
11.2200%
Non-Performing Loans (NPL)
0.75%
Total Assets
$156,558,000
Total Deposits
$139,377,000
Equity Capital
$16,291,000
Net Income
$382,000
Headquarters
Herscher
Total Offices
2
Source: FDIC | Last Updated 03/31/2025
Frequently Asked Questions About SBH State Bank of HerscherIs SBH State Bank of Herscher a safe place to deposit money?Yes, SBH State Bank of Herscher is considered a safe financial institution. With a Texas Ratio of 9.4262295081967%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does SBH State Bank of Herscher operate?SBH State Bank of Herscher currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, SBH State Bank of Herscher does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, SBH State Bank of Herscher provides members with tools to manage their accounts and build a solid financial history. Does SBH State Bank of Herscher offer online and mobile banking?Most modern institutions like SBH State Bank of Herscher provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sbherscher.com. Compare to Other Banks
Superior National Bank
CBI Bank & Trust
Grant County Bank
Lb&t
FNB of Giddings
Citizens Bank of Clovis
Columbia Savings and Loan Association
Alton Bank
State Bank of Cherry
Latimer State Bank
State Bank of Cold Spring
First FSB of Champaign Urbana
Fayette County Bank
New Foundation SB
NBH Bank
Hslc
First National Bank of Orwell
First National Bank of Carmi
Southside Bank
Putnam County State Bank
Covington County Bank
|
||||||||||||||||||
