Bank · FDIC insured
State Bank of Graymont
A $312.7M bank headquartered in Graymont, IL, with 4 branches in Illinois. Best rates: CDs 3.80% and savings 0.50% APY.
State Bank of Graymont Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#3 of 6 in Pontiac, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About State Bank of Graymont
- Headquarters
- 204 Main St, Graymont, IL 61743
- FDIC certificate
- 10434 ↗
Branches
4 branches in Illinois
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Illinois
4 branches
Pontiac area · 3
- State Bank of GraymontMain office204 Main St, Graymont, IL 61743Directions
- Pontiac Branch1100 W Howard St, Pontiac, IL 61764Directions
- Saunemin Office Branch59 North St, Saunemin, IL 61769Directions
Bloomington area · 1
- Chenoa Branch314 Crittenden St, Chenoa, IL 61726Directions
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 | 11.77% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.61% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.00% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $73 | $81 | — |
- CapitalLeverage ratio11.77%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.61%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.00%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$73Peers’ 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 State Bank of Graymont are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.