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Sainte Marie State Bank

under $100M Specialty: Agricultural IL FDIC cert 12086

Designations: ✓ Community bank

Sainte Marie, IL

2 branches across IL · TN

537 banks in the under $100M peer group nationally 61 in IL
View under $100M leaderboard (IL) →

Sainte Marie State Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest Income / Assets 0.36% below tier average
  • + ROA 0.05% above tier average
  • + Net Interest Margin 0.15% above tier average
  • + Delinquency Rate 1.03% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 4.99% above tier average
Get updates when Sainte Marie State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $20.7M
+33.3% YoY +9.7% QoQ
-$41.6M $62.3M
-0.5% YoY
$2.3B
+4.2% YoY
$6.2B
+9.0% YoY
Bottom 4.7% in tier
Total Loans ? $8.4M
+50.3% YoY +7.0% QoQ
-$25.9M $34.3M
-1.5% YoY
$1.2B
+5.0% YoY
$3.2B
+10.7% YoY
Bottom 9.3% in tier
Total Deposits ? $16.9M
+38.8% YoY +12.2% QoQ
-$35.0M $51.8M
-0.6% YoY
$1.9B
+3.6% YoY
$4.8B
+8.0% YoY
Bottom 6.7% in tier
Return on Assets ? 0.91%
-58.5% YoY -55.3% QoQ
+0.05% 0.86%
-3.6% YoY
1.04%
+2.4% YoY
1.24%
+13.1% YoY
48%
Net Interest Margin ? 4.02%
-2.3% YoY -1.1% QoQ
+0.15% 3.87%
+2.7% YoY
3.61%
+7.3% YoY
3.89%
+5.7% YoY
60%
Efficiency Ratio ? 92.62%
+54.4% YoY +27.5% QoQ
+4.99% 87.63%
+2.3% YoY
63.68%
-7.1% YoY
66.84%
-3.8% YoY
18%
Delinquency Rate ? 0.33% -1.03% 1.36%
+33.7% YoY
1.15%
+15.2% YoY
0.95%
+18.8% YoY
53%
Loan-to-Deposit Ratio ? 50.01%
+8.3% YoY -4.7% QoQ
-14.10% 64.11%
-0.9% YoY
71.92%
+0.7% YoY
76.69%
+0.9% YoY
69%
Non-Interest-Bearing Deposit Share ? 28.53%
-19.0% YoY +0.6% QoQ
+4.74% 23.79%
+0.5% YoY
20.45%
-1.0% YoY
22.01%
-1.1% YoY
69%
Nonperforming Asset Ratio ? 0.14% -0.64% 0.77%
+28.7% YoY
0.78%
+18.6% YoY
0.66%
+19.3% YoY
57%
Tier 1 Capital Ratio ? 18.45%
-16.5% YoY -5.4% QoQ
-8.32% 26.77%
+2.0% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.31%
-21.4% YoY -85.7% QoQ
-0.36% 0.67%
+1.6% YoY
0.34%
+6.6% YoY
0.32%
+4.0% YoY
Top 7.6% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 537 peers in under $100M

Top Strengths (1 metrics)

42
Non-Interest Income / Assets
revenue_mix
Value: 0.31%
Peer Median: 0.67%
#42 of 537 Top 7.6% in under $100M

Top Weaknesses (4 metrics)

513
Total Assets
size
Value: $20.73M
Peer Median: $62.28M
#513 of 537 Bottom 4.7% in under $100M
502
Total Deposits
size
Value: $16.88M
Peer Median: $51.83M
#502 of 537 Bottom 6.7% in under $100M
488
Total Loans
size
Value: $8.44M
Peer Median: $34.29M
#488 of 537 Bottom 9.3% in under $100M
444
Efficiency Ratio
profitability
Value: 92.62%
Peer Median: 87.63%
#444 of 537 Bottom 17.5% in under $100M
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