Bank · FDIC insured
Scott State Bank
A $203.5M bank headquartered in Bethany, IL, with 7 branches in Illinois. Best rates: CDs 3.52% and savings 0.30% APY.
Scott State Bank Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#13 of 15 in Decatur, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Scott State Bank
Scott State Bank has been serving since 1887.
- Headquarters
- 101 W Main St, Bethany, IL 61914
- FDIC certificate
- 8491 ↗
Branches
7 branches in Illinois
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Illinois
7 branches
Decatur area · 4
- Decatur Branch3950 Fountain Ln, Decatur, IL 62522Directions
- Maroa Branch101 E Main St, Maroa, IL 61756Directions
- Mount Zion Il Branch1120 S Route 121, Mount Zion, IL 62549Directions
- State Bank Of Niantic Branch200 E Lewis St, Niantic, IL 62551Directions
Bethany area · 1
- Scott State BankMain office101 W Main St, Bethany, IL 61914Directions
Dalton City area · 1
- Dalton City Branch100 East Main Street, Dalton City, IL 61925Directions
Sullivan area · 1
- Sullivan Branch310 W Jackson St, Sullivan, IL 61951Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.67% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.24% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.12% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $66 | $81 | — |
- CapitalLeverage ratio13.67%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.24%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.12%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$66Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Scott State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.