$20.7M
+33.3%y/y
Percentile by value8th percentileby value
FDIC
ASSETSM
Sainte Marie State Bank
Sainte Marie, IllinoisFDIC Cert #12086
STATEEstablished 19002 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportSainte Marie State Bank reported $20.7M in total assets. Deposits grew 38.78% over the prior year.
Return on assets was 0.91%, compared with an asset-peer median of 0.97%. The leverage ratio was 18.45%.
- Why is Total Assets below asset peers?
- Why is Net Loan Growth, Year over Year above asset peers?
- Why is Deposit Growth, Year over Year above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$16.9M
+38.8%y/y
Percentile by value13th percentileby value
FDIC
DEP$8.44M
+50.3%y/y
Percentile by value16th percentileby value
FDIC
LNLSNET0.91%
−128 bpsy/y
Peer standing46th percentile
FDIC
NETINC + ROA92.62%
+3,262 bpsy/y
Peer standing19th percentile
FDIC
NONIX + NIM + NONII + EEFFR18.45%
−365 bpsy/y
Peer standing76th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $16.1M | $12.8M |
| Q3 2021 | $16.2M | $12.9M |
| Q4 2021 | $15.3M | $12.2M |
| Q1 2022 | $16M | $13M |
| Q2 2022 | $15.6M | $12.7M |
| Q3 2022 | $15M | $12.2M |
| Q4 2022 | $15.1M | $12M |
| Q1 2023 | $15.4M | $12.3M |
| Q2 2023 | $14.7M | $11.6M |
| Q3 2023 | $14.4M | $11.3M |
| Q4 2023 | $14.5M | $11.3M |
| Q1 2024 | $15.3M | $12.1M |
| Q2 2024 | $14.8M | $11.5M |
| Q3 2024 | $14.6M | $11.2M |
| Q4 2024 | $14.4M | $11.2M |
| Q1 2025 | $15.5M | $12.2M |
| Q2 2025 | $18.2M | $14.6M |
| Q3 2025 | $17.7M | $13.9M |
| Q4 2025 | $18.9M | $15M |
| Q1 2026 | $20.7M | $16.9M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $702K |
| Investor CRE | $0 |
| Multifamily | $0 |
| Construction | $697K |
| 1–4 family | $2.44M |
| C&I | $570K |
| Agriculture | $3.82M |
| Other | $316K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.91%46th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE4.93%35th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY4.02%61st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR92.62%19th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP+38.78%99th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET+50.31%97th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.33%52nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ18.45%76th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.19%46th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.91%35th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.32%Median 1.11%90th 1.83%Observations 329
ROE
FDIC
NETINC + ROE4.93%18th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.20%Median 10.57%90th 18.47%Observations 329
NIM
FDIC
NIM + NIMY4.02%77th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.86%Median 3.62%90th 4.45%Observations 330
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR92.62%6th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.13%Median 63.88%90th 87.24%Observations 329
Deposits YoY
FDIC
DEP+38.78%98th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.61%Median +3.07%90th +13.90%Observations 328
Loans YoY
FDIC
LNLSNET+50.31%98th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.76%Median +4.48%90th +16.94%Observations 326
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.33%62nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.57%90th 2.85%Observations 326
Leverage
FDIC
RBC1AAJ18.45%95th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.64%Median 10.84%90th 15.77%Observations 330
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.19%48th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.28%Median 2.17%90th 3.18%Observations 326
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 20%Median 126%90th 292%Observations 208
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.91%58th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.21%Median 0.79%90th 1.66%Observations 63
ROE
FDIC
NETINC + ROE4.93%39th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −1.64%Median 7.26%90th 14.97%Observations 63
NIM
FDIC
NIM + NIMY4.02%71st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.68%Median 3.71%90th 4.47%Observations 63
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR92.62%13th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.38%Median 77.15%90th 101.43%Observations 63
Deposits YoY
FDIC
DEP+38.78%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.69%Median +0.56%90th +10.54%Observations 62
Loans YoY
FDIC
LNLSNET+50.31%100th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.75%Median −0.38%90th +9.95%Observations 60
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.33%54th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.68%90th 3.97%Observations 60
Leverage
FDIC
RBC1AAJ18.45%90th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.40%Median 11.94%90th 18.36%Observations 63
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.19%25th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 1.71%90th 2.48%Observations 61
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 27%90th 146%Observations 37
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 2 branches
- Headquarters
- Sainte Marie, IL
FDIC
OFFDOMOpen the Illinois dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data