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Advertiser Disclosure
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 State Bank Waterloo, IL Rates & Review March 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: March 28, 2026
State Bank Waterloo, IL's savings rates are at 0.15%. State Bank Waterloo, IL's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of State Bank Waterloo, IL with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 20.21%. Rates were last updated on 03/28/2026. State Bank Waterloo, IL 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 Waterloo, IL? Share your experience about State Bank Waterloo, IL by leaving a review below, or read customer reviews before you decide to use State Bank Waterloo, IL. 
State Bank Waterloo, IL Savings Rates
State Bank Waterloo, IL Money Market Rates
State Bank Waterloo, IL Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for State Bank Waterloo, IL 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 Waterloo, IL 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 Waterloo, IL's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
State Bank Waterloo, IL
Bank Holding Company
SBW BANCSHARES INC
Address
885 N Illinois Route 3,
Waterloo, IL 62298 · Monroe
Website
https://www.sbw.bank
FDIC Certificate #
12706
Established
01/04/1894
FDIC Insurance Date
01/01/1934
Domestic Offices
5
Total Branches
5
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB+
Overall Health Grade
Score: 90/100
5.0
Exceptional
Out of 5.0 Stars
20.21%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.2442%
Return on Equity (ROE)
4.7300%
Non-Performing Loans (NPL)
1.03%
Total Assets
$303,919,000
Total Deposits
$260,719,000
Equity Capital
$21,863,000
Net Income
$1,692,000
Headquarters
Waterloo
Total Offices
5
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About State Bank Waterloo, ILIs State Bank Waterloo, IL a safe place to deposit money?Yes, State Bank Waterloo, IL is considered a safe financial institution. With a Texas Ratio of 20.209675382089%, the institution's financial health is rated as stable. 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 Waterloo, IL operate?State Bank Waterloo, IL currently maintains approximately 5 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 Waterloo, IL 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 Waterloo, IL provides members with tools to manage their accounts and build a solid financial history. Does State Bank Waterloo, IL offer online and mobile banking?Most modern institutions like State Bank Waterloo, IL 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.sbw.bank. Current State Bank Waterloo, IL Rates
Retrieved from our database of financial products. Rates subject to change.
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