State Bank of Graymont

BankGraymont, Illinois
www.sbofgray.com

Total Assets

$323.0M

Total Deposits

$282.1M

Branches

5

Established

1913

TFS Health Grade

$
F

54.8 / 100

Poor financial health

How we grade

State Bank of Graymont is a bank headquartered in Graymont, Illinois, established in 1913. With $323.0M in total assets and 5 branch locations, it has a TFS Financial Health Grade of F (54.8/100).

Capital & Safety

Tier 1 Capital Ratio
11.49%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
3.80%

Profitability

Return on Assets (ROA)
0.65%(1%)
Return on Equity (ROE)
6.02%(10%)
Net Interest Margin
2.57%
Efficiency Ratio
69.33%(60%)

Lending & Liquidity

Total Loans
$187.8M
Loan-to-Deposit Ratio
65.70%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+1.86%
Deposit Growth (YoY)
+0.44%
Net Income
$2.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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