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SBT State Bank of Toulon Rates & Review November 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 and Verified: November 7, 2026
SBT State Bank of Toulon's 36-Month CD rates are at 1.51%, 30-Month CD rates are at 1.46%, 24-Month CD rates are at 1.41%, 18-Month CD rates are at 1.10%, 12-Month CD rates are at 1.00%. SBT State Bank of Toulon's savings rates are at 0.20%. SBT State Bank of Toulon's checking rates are as high as 0.10%. SBT State Bank of Toulon's Conventional Fixed Rate Mortgage Loan - 15 Year rates are at 6.881%, Conventional Fixed Rate Mortgage Loan - 30 Year rates are at 7.207%, Conventional Fixed Rate Mortgage Loan - 20 Year rates are at 7.232%. SBT State Bank of Toulon's Auto Loan Rates are as low as 5.99%. SBT State Bank of Toulon's top CD rate of 3.92% APY on a 13 month CD is 30% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of SBT State Bank of Toulon with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.88%. Rates last updated and verified on 11/07/2026. SBT State Bank of Toulon 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 SBT State Bank of Toulon? Share your experience about SBT State Bank of Toulon by leaving a review below, or read customer reviews before you decide to use SBT State Bank of Toulon. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. SBT State Bank of Toulon CD Rates
SBT State Bank of Toulon Savings Rates
SBT State Bank of Toulon Checking Rates
SBT State Bank of Toulon Mortgage Rates
SBT State Bank of Toulon Auto Loan Rates
SBT State Bank of Toulon Other Rates
Financial Health HistorySBT State Bank of Toulon’s Texas Ratio fell from 2.36% in Q3 2023 to 0.88% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for SBT State Bank of Toulon 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 SBT State Bank of Toulon 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 SBT State Bank of Toulon's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
SBT State Bank of Toulon
Address
102 W Main St,
Toulon, IL 61483 · Stark
Bank Holding Company
STARK COUNTY BCORP INC
FDIC Certificate #
12386
Regulator
FDIC
Established
June 20, 1903
FDIC Insurance Date
January 1, 1934
Domestic Offices
3
Total Branches
3
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.88%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.3941%
Return on Equity (ROE)
14.1700%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
$343,382,000
Total Deposits
$298,614,000
Equity Capital
$33,402,000
Net Income
$2,328,000
Headquarters
Toulon
Total Branches and Offices
3
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Frequently Asked Questions About SBT State Bank of ToulonDoes SBT State Bank of Toulon offer CDs?Yes. SBT State Bank of Toulon current CD rates include its 36-Month CD at 1.51% APY, its 30-Month CD at 1.46% APY and its 24-Month CD at 1.41% APY, verified by MonitorBankRates as of November 7, 2026. Are CDs from SBT State Bank of Toulon FDIC insured?Yes. SBT State Bank of Toulon is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at SBT State Bank of Toulon?The highest SBT State Bank of Toulon CD rate is its Special Certificates - 13-Month CD at 3.92% APY, verified by MonitorBankRates as of November 7, 2026. What CD terms does SBT State Bank of Toulon offer?SBT State Bank of Toulon CD rates are 1.00% APY for a 12 month CD, 1.10% APY for an 18 month CD, 1.41% APY for a 2 year CD, 1.46% APY for a 30 month CD and 1.51% APY for a 3 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with SBT State Bank of Toulon for its full lineup. What is the highest savings rate at SBT State Bank of Toulon?The highest SBT State Bank of Toulon savings rate is its Passbook Savings at 0.20% APY, verified by MonitorBankRates as of November 7, 2026. What is the highest checking rate at SBT State Bank of Toulon?The highest SBT State Bank of Toulon checking rate is its Key Checking at 0.10% APY, verified by MonitorBankRates as of November 7, 2026. What is the lowest 30 year fixed mortgage rate at SBT State Bank of Toulon?The lowest SBT State Bank of Toulon 30 year fixed mortgage rate is its Conventional Fixed Rate Mortgage Loan - 30 Year at 7.207% APR, verified by MonitorBankRates as of November 7, 2026. SBT State Bank of Toulon mortgage rates are 7.207% APR for a 30 year mortgage, 7.232% APR for a 20 year mortgage and 6.881% APR for a 15 year mortgage. What is the lowest auto loan rate at SBT State Bank of Toulon?The lowest SBT State Bank of Toulon auto loan rate is its Auto Loan - 36 Months at 5.75%, verified by MonitorBankRates as of November 7, 2026. SBT State Bank of Toulon auto loan rates are 5.75% for a 36 month auto loan, 6.00% for a 48 month auto loan, 6.25% for a 60 month auto loan and 6.50% for a 72 month auto loan. How many branches does SBT State Bank of Toulon operate?SBT State Bank of Toulon currently maintains approximately 3 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, SBT State Bank of Toulon 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, SBT State Bank of Toulon provides members with tools to manage their accounts and build a solid financial history. Does SBT State Bank of Toulon offer online and mobile banking?Most modern institutions like SBT State Bank of Toulon 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.statebankoftoulon.com/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do SBT State Bank of Toulon rates compare?SBT State Bank of Toulon's top CD rate of 3.92% APY on a 13 month CD is 30% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. SBT State Bank of Toulon's top rates are its Special Certificates - 13-Month CD at 3.92% APY, its Passbook Savings at 0.20% APY, its Key Checking at 0.10% APY, its Conventional Fixed Rate Mortgage Loan - 15 Year at 6.881% and its Auto Loan - 36 Months at 5.99% APR, verified by MonitorBankRates on November 7, 2026. Current SBT State Bank of Toulon Rates
Retrieved from our database of financial products. Rates subject to change.
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