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TSB Teutopolis State Bank Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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| iEditorial Disclosure
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: September 20, 2026

TSB Teutopolis State Bank's 30-Month CD rates are at 3.73%, 9-Month CD rates are at 3.55%, 182 Day CD rates are at 3.53%, 8-Month CD rates are at 3.52%, 12-Month CD rates are at 3.43%. TSB Teutopolis State Bank's savings rates are at 0.02%. TSB Teutopolis State Bank's money market rates are at 0.10%. TSB Teutopolis State Bank's Fixed Mortgage Interest Rates - 15 Year Fixed rates are at 7.12%, Fixed Mortgage Interest Rates - 30 Year Fixed rates are at 7.25%, Fixed Mortgage Interest Rates - 20 Year Fixed rates are at 7.38%. MonitorBankRates evaluates the financial stability of TSB Teutopolis State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/20/2026.

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

Ranked #2 in MonitorBankRates Top 100 Healthiest Small Banks 2026 Ranked #2 Healthiest Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.00%
Perfect Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Teutopolis State Bank
106 E Main St
Teutopolis, IL 62467
https://www.teutopolisstatebank.com
Member FDIC

TSB Teutopolis State Bank CD Rates

Product Rate APY Term View More
30 Month CD 3.70% 3.73% 30 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
9 Month CD 3.50% 3.55% 9 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
182 Day CD 3.50% 3.53% 182 Day
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
8 Month CD 3.50% 3.52% 8 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12 Month CD 3.40% 3.43% 12 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
21 Month CD 3.15% 3.19% 21 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 Month CD 3.00% 3.02% 48 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
60 Month CD 1.10% 1.10% 60 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36 Month CD 0.90% 0.90% 36 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18 Month CD 0.70% 0.70% 18 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24 Month CD 0.70% 0.70% 24 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
15 Month CD 0.60% 0.60% 15 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Sunny Day CD (12 Mos.) 0.55% 0.55% 12 Mos.
Min Deposit $25
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
11 Month CD 0.50% 0.50% 11 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
91 Day CD 0.30% 0.30% 91 Day
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
31 Day CD 0.15% 0.15% 31 Day
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

TSB Teutopolis State Bank Savings Rates

Product Rate APY View More
Savings 0.15% 0.15%
Min Balance $0
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Passbook Savings Account - 0.02%
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

TSB Teutopolis State Bank Money Market Rates

Product Rate APY View More
Money Market Advantage 0.50% 0.50%
Min Balance $100,000
Details Balance: $100,000 or more
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Money Market Advantage 0.25% 0.25%
Min Balance $70,000
Details Balance: $70,000-$99,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Money Market Advantage 0.20% 0.20%
Min Balance $35,000
Details Balance: $35,000-$69,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Money Market Advantage 0.15% 0.15%
Min Balance $10,000
Details Balance: $10,000-$34,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Money Market Advantage 0.10% 0.10%
Min Balance $0
Details Balance: $0.01-$9,999.99
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

TSB Teutopolis State Bank Checking Rates

Product Rate APY View More
Checking Account - 1.75%
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

TSB Teutopolis State Bank Mortgage Rates

Product Rate Points APR Term View More
Fixed Mortgage Interest Rates - 15 Year Fixed 7.13% - 7.33% 15 Year Fixed
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Fixed Mortgage Interest Rates - 30 Year Fixed 7.25% - 7.38% 30 Year Fixed
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Fixed Mortgage Interest Rates - 20 Year Fixed 7.38% - 7.54% 20 Year Fixed
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

TSB Teutopolis State Bank Other Rates

Product Rate Points APY/APR Term View More
Grow 1.73% - 1.75%
Min Balance $0
Details Balance: $0.01 - $10,000.00
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Grow Account - - 1.75%
Min Balance $0
Details Balance: No Minimum Balance To Earn Rewards
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
HSA's 0.50% - 0.50%
Min Deposit $0
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
IRA's 0.65% - 0.65%
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Now 0.10% - 0.10%
Min Balance $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

TSB Teutopolis State Bank’s Texas Ratio stayed near 0.01% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed 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.

0% 1.0★ 0.6% 2.0★ 1.1% 3.0★ 1.7% 4.0★ 2.2% 5.0★ Healthy zone – entire history below the 15% limit 0.01% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.00% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$359M0.00%5.0A+
March 31, 2026$357M0.00%5.0A+
December 31, 2025$355M0.10%5.0A+
September 30, 2025$348M1.64%5.0A+
June 30, 2025$371M0.00%5.0A+
March 31, 2025$352M0.00%5.0A+
December 31, 2024$348M0.00%5.0A+
September 30, 2024$341M0.63%5.0A+
June 30, 2024$333M0.79%5.0A+
March 31, 2024$322M0.71%5.0A+
December 31, 2023$329M0.00%5.0A+
September 30, 2023$315M0.01%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

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

Bank Profile & Overview

Institution Name TSB Teutopolis State Bank
Bank Holding Company TEUTOPOLIS HOLDING CO
Address 106 E Main St, Teutopolis, IL 62467  ·  Effingham
Website https://www.teutopolisstatebank.com
FDIC Certificate # 11708
Established 19050101
FDIC Insurance Date 19340101
Domestic Offices 3
Total Branches 3
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.00%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.7721%
Return on Equity (ROE) 13.3700%
Non-Performing Loans (NPL) 0.00%
Total Assets $358,538,000
Total Deposits $309,024,000
Equity Capital $48,498,000
Net Income $3,162,000
Headquarters Teutopolis
Total Branches and Offices 3
Source: FDIC  |  Last Updated 06/30/2026
Ranked #2 in MonitorBankRates Top 100 Healthiest Small Banks 2026
2026 MBR Health & Safety Badge

TSB Teutopolis State Bank earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/teutopolis-state-bank-rates-review-11708">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #2 in MonitorBankRates Top 100 Healthiest Small Banks 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Banks 2026 ranking.

Customer Reviews

There are no reviews for TSB Teutopolis State Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
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Total Reviews
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Frequently Asked Questions About TSB Teutopolis State Bank

How many branches does TSB Teutopolis State Bank operate?

TSB Teutopolis State Bank 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, TSB Teutopolis State Bank 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, TSB Teutopolis State Bank provides members with tools to manage their accounts and build a solid financial history.

Does TSB Teutopolis State Bank offer online and mobile banking?

Most modern institutions like TSB Teutopolis State Bank 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.teutopolisstatebank.com.

Current TSB Teutopolis State Bank Rates

  • 12-Month CD0.50%
  • 18-Month CD0.70%
  • 24-Month CD0.70%
  • 36-Month CD0.90%
  • 48-Month CD3.02%
  • 60-Month CD1.10%
  • Savings0.02%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.

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