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SBT State Bank of Toulon Rates & Review April 2026

SBT State Bank of Toulon's 7-Month CD rates are at 3.86%, 13-Month CD rates are at 3.55%, 36-Month CD rates are at 1.51%, 30-Month CD rates are at 1.46%, 24-Month CD rates are at 1.41%. SBT State Bank of Toulon's savings rates are at 0.20%. 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 2.36%. Rates were last updated on 04/24/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.36%
Excellent Lower than avg
SBT State Bank of Toulon
102 W Main St
Toulon, IL 61483
https://www.statebankoftoulon.com/
Member FDIC

SBT State Bank of Toulon CD Rates

Product Rate APY Term View More
7 Month CD - 3.86%
Min Deposit $2,500
Min Balance $2,500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%
13 Month CD - 3.55%
Min Deposit $2,500
Min Balance $2,500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%
36 Month CD - 1.51%
Min Deposit $10,000
Min Balance $10,000
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%
30 Month CD - 1.46%
Min Deposit $10,000
Min Balance $10,000
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%
24 Month CD - 1.41%
Min Deposit $10,000
Min Balance $10,000
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%
18 Month CD - 1.10%
Min Deposit $10,000
Min Balance $10,000
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%
12 Month CD - 1.00%
Min Deposit $10,000
Min Balance $10,000
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%
182 Days CD - 0.35%
Min Deposit $10,000
Min Balance $10,000
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%

SBT State Bank of Toulon Savings Rates

Product Rate APY View More
Passbook Savings - 0.20%
No additional details.
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%

SBT State Bank of Toulon Checking Rates

Product Rate APY View More
Key Checking - 0.10%
No additional details.
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%
Key Checking - 0.05%
Min Deposit $100
Min Balance $0
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%
Lock Checking - 0.05%
Min Deposit $100
Min Balance $0
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.36%

Methodology & Data Sources

MonitorBankRates 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

Institution Name SBT State Bank of Toulon
Bank Holding Company STARK COUNTY BCORP INC
Address 102 W Main St, Toulon, IL 61483  ·  Stark
FDIC Certificate # 12386
Established 06/20/1903
FDIC Insurance Date 01/01/1934
Domestic Offices 3
Total Branches 3
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
2.36%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.8507%
Return on Equity (ROE) 11.0200%
Non-Performing Loans (NPL) 0.16%
Total Assets $325,669,000
Total Deposits $282,205,000
Equity Capital $32,239,000
Net Income $3,371,000
Headquarters Toulon
Total Offices 3
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About SBT State Bank of Toulon

Is SBT State Bank of Toulon a safe place to deposit money?

Yes, SBT State Bank of Toulon is considered a safe financial institution. With a Texas Ratio of 2.3584485064646%, 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 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/.

Current SBT State Bank of Toulon Rates

  • 12-Month CD1.00%
  • 18-Month CD1.10%
  • 24-Month CD1.41%
  • 36-Month CD1.51%
  • Savings0.20%
Retrieved from our database of financial products. Rates subject to change.