What are the current interest rates at State Bank of St. Jacob?

Current rates for State Bank of St. Jacob include: Savings: 0.15%

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State Bank of St. Jacob

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State Bank of St. Jacob Rates & Review April 2026

Q: How many branches does State Bank of St. Jacob operate?

State Bank of St. Jacob currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Bank of St. Jacob provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

State Bank of St. Jacob's savings rates are at 0.15%. MonitorBankRates evaluates the financial stability of State Bank of St. Jacob with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.87%. Rates were last updated on 04/17/2026.

State Bank of St. Jacob 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 State Bank of St. Jacob? Share your experience about State Bank of St. Jacob by leaving a review below, or read customer reviews before you decide to use State Bank of St. Jacob.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.87%

Excellent Higher than avg

State Bank of St. Jacob

102 W 4th St
Saint Jacob, IL 62281

https://www.statebankofstjacob.com

State Bank of St. Jacob Savings Rates

Product	Rate	APY	View More
Savings	0.15%	0.15%
Min Balance $50 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.87%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for State Bank of St. Jacob 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 State Bank of St. Jacob 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 State Bank of St. Jacob's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name State Bank of St. Jacob

Bank Holding Company ST JACOB BANCSHARES INC

Address 102 W 4th St, Saint Jacob, IL 62281 · Madison

Website https://www.statebankofstjacob.com

FDIC Certificate # 5730

Established 11/03/1903

FDIC Insurance Date 01/01/1934

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.87%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4897%

Return on Equity (ROE) 12.6200%

Non-Performing Loans (NPL) 1.17%

Total Assets $87,627,000

Total Deposits $73,839,000

Equity Capital $13,655,000

Net Income $1,647,000

Headquarters Saint Jacob

Total Offices 2

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About State Bank of St. Jacob

Is State Bank of St. Jacob a safe place to deposit money?

Yes, State Bank of St. Jacob is considered a safe financial institution. With a Texas Ratio of 9.8747591522158%, 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 State Bank of St. Jacob operate?

State Bank of St. Jacob currently maintains approximately 2 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, State Bank of St. Jacob 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, State Bank of St. Jacob provides members with tools to manage their accounts and build a solid financial history.

Does State Bank of St. Jacob offer online and mobile banking?

Most modern institutions like State Bank of St. Jacob 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.statebankofstjacob.com.