Stillman Banccorp

What Stillman Banccorp does

Stillman BancCorp N.A., operating as Stillman Bank, is a privately held community bank founded in 1882 and headquartered in Stillman Valley, Illinois. The bank operates six full-service branches across Ogle and Winnebago Counties (Stillman Valley, Oregon, Rochelle, Byron, Rockford, and Roscoe), serving individual households, small and medium businesses, agricultural operations, and trust and wealth management clients in northern Illinois and southern Wisconsin. As of December 31, 2025, total resources stood at $625.2 million, total deposits at $554.4 million, net loans at $284.3 million, and total capital at $49.6 million, with 101–250 employees across the franchise.

The product suite spans deposit accounts (Student, Stillman, Premier, Investor Checking tiers; Statement Savings; High Yield Advantage; CDs), consumer loans (personal, home equity, Sallie Mae student loans), mortgages (Stillman Mortgage Online platform plus home equity products), business banking (Business Checking, Business Checking Plus, SBA 7(a), SBA 504, SBA Rural Lender Advantage, Positive Pay fraud protection, Remote Deposit Capture, merchant processing), agricultural lending (production lines, equipment, livestock, farmland), and trust and wealth management (trust services, estate planning, investment management). Distribution combines the six-branch physical network with online and mobile banking apps, TeleBanking, Apple Pay/Samsung Pay/Google Pay wallet support, and access to 40,000+ surcharge-free ATMs via MoneyPass plus NYCE shared depositories.

The business model is a traditional community bank revenue stack anchored by net interest income on the loan portfolio (personal, commercial, mortgage, agricultural), supplemented by deposit account and overdraft fees, credit card interchange, mortgage origination and servicing fees, and trust and wealth management fees. Pricing is tiered across retail and business accounts with eStatement enrollment required to avoid most monthly service fees. Local decision-making, SBA lending partnerships, FHLBank Chicago community grants, and IntraFi Network Deposits (formerly CDARS) for multi-million-dollar FDIC insurance are positioned as the principal differentiators against regional and national competitors.

Name

Stillman Banccorp

Legal name

Stillman BancCorp N.A.

Website

https://stillmanbank.com

Company type

Private

Founded year

1882

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141)

akta.pro primary industry

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Community banking
• Retail banking
• Commercial lending
• Agricultural lending
• Trust services

Headquarters

HQ city

Stillman Valley

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Net Interest Income: Interest earned on loan portfolio including personal, business, mortgage, and agricultural loans. Primary revenue driver for the bank.
2. Deposit Account Fees and Charges: Monthly service fees, overdraft fees, and other account-related charges on checking and savings accounts
3. Trust and Wealth Management Fees: Fees for trust services, estate planning, and investment management services provided by the Trust & Wealth Management department
4. Credit Card Interchange: Transaction fees earned on credit card purchases made with Stillman credit and debit cards
5. Mortgage Lending Revenue: Origination fees and servicing revenue from mortgage loans including home purchases and refinances

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Stillman Bank is a community bank that provides personal banking (checking, savings, CDs, IRAs, HSAs, credit/debit cards), business banking (checking, SBA loans, commercial lending, merchant services), mortgage lending, agricultural lending, and trust and wealth management services through six physical branches in northern Illinois and complementary digital banking channels. It earns primarily through net interest income on its loan portfolio and through deposit fees, trust/wealth management fees, and credit card interchange.

Product overview

Stillman Bank is a community bank offering a comprehensive suite of financial products and services through six branch locations in northern Illinois. The bank's offerings span personal banking (checking, savings, loans, credit cards, IRAs, HSAs, CDs), business banking (checking accounts, loans, SBA programs, Positive Pay, Remote Deposit Capture, merchant processing), trust and wealth management (trust services, estate planning, investment management), mortgage lending (through Stillman Mortgage Online platform and home equity products), agricultural lending, and additional services (prepaid cards, TeleBanking, eStatements, overdraft protection, fraud prevention). Digital banking is available through online and mobile platforms with features including two-factor authentication, bill pay, and account management. The bank serves customers across Ogle, Winnebago, and Boone Counties in Illinois.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Leader in new mortgage loans in Ogle County for several years
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• IntraFi Network (formerly CDARS)coreTechnology or IntegrationThrough IntraFi Network Deposits, Stillman Bank offers multi-million-dollar FDIC protection by distributing deposits across multiple partner banks while maintaining a single relationship. Customers can access full FDIC insurance coverage while keeping funds local for community lending.
• MoneyPasscoreChannel Partner/ Reseller/ DistributorStillman Bank debit card holders access over 40,000 surcharge-free ATMs nationwide through the MoneyPass network, providing convenient fee-free cash access across the country.
• NYCE NetworkminorChannel Partner/ Reseller/ DistributorStillman Bank participates in NYCE network for shared deposit services, allowing customers to make surcharge-free deposits at participating NYCE ATMs throughout the United States.
• Sallie MaeminorStrategic or Co-development PartnerStillman Bank offers Sallie Mae student loans for undergraduate and graduate students, providing higher education financing options to customers.
• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerThrough affiliation with the SBA, Stillman Bank offers SBA 7(a), SBA Rural Lender Advantage, and SBA 504 loan programs with longer maturities, competitive rates, and higher loan-to-collateral ratios for small business financing.
• Rock River Valley Blood CenterminorStrategic or Co-development PartnerStillman Bank hosts mobile blood drives at its Roscoe and Byron offices, contributing to the sole supplier of blood products for 14 hospitals in Northern Illinois and Southern Wisconsin.

Scale indicators10 records

Recent moves13 records

Expansion highlights6 records

Broad incumbents

• First Busey Corporation: Champaign, IL-headquartered bank holding company providing consumer, commercial, wealth, and SBA banking across Illinois and neighboring states; broader Illinois-based community-bank platform with overlapping deposit/loan products, in-house trust, and similar rural/small-metro target markets.
• Heartland Financial USA: Dubuque, IA-based bank holding company (now operating as Heartland Banks) running multiple community bank franchises across the Midwest; comparable as a multi-charter community-bank platform serving similar regional/small-market customers with full product set including wealth management.
• Midland States Bancorp: Effingham, IL-based bank holding company offering community banking, commercial lending, and wealth management across the Midwest; comparable as a larger Illinois community bank with similar product breadth (consumer, commercial, mortgage, wealth) targeting the same small-market/agricultural customer profile.
• Wintrust Financial: Rosemont, IL-based bank holding company operating a portfolio of community-bank charters with local boards, lending autonomy, and wealth management; comparable as an Illinois-based community-banking platform with the same local-decision-making positioning but at significantly larger scale.

Direct peers

• Byline Bancorp: Chicago-based bank holding company operating a network of community-bank charters with local decision-making and full consumer/business banking product set; directly comparable as a publicly-traded Illinois community bank operating on the same local-decision-making/community-focus model.
• Apple River State Bank: Apple River, IL-based state-chartered community bank operating in northwestern Illinois; directly comparable as a similar-size rural Illinois community bank with consumer and agricultural banking focus and a limited branch network serving a defined local market.
• Blackhawk Bank & Trust: Beloit, WI-headquartered community bank serving southern Wisconsin and northern Illinois with consumer, business, and mortgage lending; directly comparable to Stillman given overlapping geographic footprint (northern IL / southern WI) and similar community-bank positioning targeting the same end markets.
• Hickory Point Bank & Trust: Decatur, IL-based community bank operating in central Illinois with consumer, business, agricultural, and mortgage lending; directly comparable as an Illinois community bank of similar size and product mix serving agricultural and small-business customers in a footprint-limited model.

Others

• Sallie Mae: Nation's largest student-loan originator; Stillman partners with Sallie Mae to offer undergraduate and graduate student loans under its own brand. Comparable as an enabling channel partner rather than a direct competitor — relevant for understanding Stillman's higher-education lending product set.
• FHLBank Chicago: Federal Home Loan Bank cooperative that funds Stillman's loan origination, liquidity, and community development programs (Community First Accelerate Grants); comparable as a critical wholesale funding and liquidity infrastructure provider in the same operating ecosystem.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC0bGH-aLnAuaRlG1pyC7MNg
• Facebookfacebook.com/pages/Stillman-Bank/144477925624120
• LinkedInlinkedin.com/company/stillman-bank
• Instagraminstagram.com/stillmanbank
• Xx.com/stillmanbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stillman Banccorp