Brown County State Bank

What Brown County State Bank does

Brown County State Bank is a state-chartered community bank founded in 1901 and headquartered in Mount Sterling, Illinois, operating as a subsidiary brand within the publicly traded United Community Bank (NASDAQ: UCBI) network alongside Marine Bank & Trust, Mercantile Bank, Farmers State Bank of Camp Point, Liberty Bank, and United Commonwealth Bank. The bank delivers a full-service retail and commercial banking platform spanning deposit accounts (checking, savings, CDs, IRAs, HSAs), consumer lending (personal, vehicle, boat/RV/ATV, mortgages, home equity, solar loans, Visa credit cards), business banking (tiered business checking, commercial and agricultural loans, lines of credit, physician/professional lending), and treasury management (Positive Pay, Remote Deposit Capture, ACH/wires, Clover merchant services). Technology is delivered through a unified digital banking platform featuring 24/7 online banking, the UCB Mobile Banking app on iOS and Android, mobile deposit, SecurLOCK card controls, Zelle peer-to-peer payments, mobile wallet, Beacon Alerts, and e-statements, integrated with backend analytics (Google Analytics on the web property).

Revenue is generated through a diversified community-banking model: net interest income on personal, vehicle, mortgage, commercial, and agricultural loans; deposit account and transaction fees across tiered personal and business checking products; business cash management and merchant service fees; commission and fee revenue from wealth management and trust services delivered via a Raymond James Financial Services partnership; and insurance commissions from United Financial Services covering automotive, homeowners, rental, life, and business/agricultural lines. The bank serves a hybrid mix of individual consumers, small-to-large businesses, agricultural operations, wealth management clients, and municipalities/non-profits across Brown County and broader Illinois, distributing products through physical branches, dedicated business banking specialists, and self-serve digital channels, with no public ticker or standalone disclosed revenue.

Name

Brown County State Bank

Legal name

Brown County State Bank

Website

https://bcsb.com

Company type

Private

Founded year

1901

Operating status

Operating

Headcount range

51–100 employees

Short description

Brown County State Bank is a 1901-founded Illinois community bank offering deposit accounts, consumer and commercial lending, digital banking, wealth management (via Raymond James), and insurance (via United Financial Services) to individuals, businesses, farms, and institutions in the Brown County region.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Funds, Trusts, and Other Financial Vehicles (525)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Bank-Affiliated Retail Wealth Management (FSAAAAAB), Corporate & Institutional Trust Services (FSAAANAB)

Keywords

• Retail banking services
• Community banking
• Commercial lending
• Wealth management
• Mortgage lending

Headquarters

HQ city

Mount Sterling

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including personal loans, vehicle loans, home mortgages, business loans, and commercial lending
2. Deposit Account Fees: Monthly service fees, per-transaction fees, and minimum balance requirements across various checking and savings accounts
3. Business Cash Management Services: Fees for business checking, merchant services, positive pay, wire transfers, and ACH services
4. Wealth Management and Trust Services: Revenue from investment services, trust services, estate planning, and financial advisory offered through Raymond James partnership
5. Insurance Services: Commission revenue from United Financial Services offering automotive, homeowners, rental, life, and business insurance products

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Brown County State Bank is an FDIC-insured community bank providing consumer deposit accounts, consumer and mortgage lending, business banking and cash management, merchant services, wealth management and trust services, and insurance products. It serves individuals, families, businesses, farms, municipalities, and not-for-profit organizations in Illinois through a network of physical branches and digital channels. Wealth and investment services are delivered through a partnership with Raymond James Financial Services, and insurance products are offered through United Financial Services.

Product overview

Brown County State Bank operates as a community bank offering a comprehensive suite of banking products through both traditional and digital channels. The core product portfolio includes Deposit Accounts (Checking, Savings, CDs, IRAs, HSAs), Digital Banking (Online Banking, Mobile Banking, Online Bill Pay), lending products (Home Loans, Personal Loans, Credit Cards), and Business Banking services (Business Checking, Online Cash Management, Merchant Services, Business Loans). The bank has invested significantly in digital infrastructure, offering a modern Online Banking platform integrated with Mobile Banking, Mobile Deposit, Card Controls, Zelle payments, and Beacon Alerts. Wealth management is delivered through the United Wealth platform combining Trust Services and Raymond James Investment Services. Business customers benefit from specialized Cash Management tools including Positive Pay, Remote Deposit Capture, and merchant processing through Clover. The Everyday Points rewards program incentivizes card usage across the Visa debit and credit card portfolio.

Differentiator

Problem solved

Functional benefit

Brands

• UCB Mobile Banking: Mobile banking application for customers of United Community Bank network including Brown County State Bank

Products and services

• Digital Banking Comprehensive online and mobile banking platform providing 24-hour account access, fund transfers, loan payments, statement viewing, and account reconciliation through web and mobile interfaces for individual and business customers.
• Mobile Banking
• Online Bill Pay
• Deposit Accounts
• Home Loans
• Personal Loans
• Credit Cards
• Business Checking
• Online Cash Management
• Positive Pay
• Remote Deposit Capture
• Merchant Services
• Business Loans
• United Wealth
• Trust Services
• Investment Services
• Insurance Services

Quantifiable outcome

• 5-Star Superior Bank rating from Bauer Financial
• +1 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core.

• Raymond James Financial ServicescoreChannel Partner/ Reseller/ DistributorSecurities and investment services provided through Raymond James Financial Services Advisors at United Community Bank locations in Carthage, Mt. Sterling, Quincy, and Springfield, Illinois. Raymond James advisors help clients with retirement planning, portfolio development, estate planning, and institutional investment management.
• United Community BankcoreOthersBrown County State Bank is part of the United Community Bank network which includes multiple Illinois-based banks: Marine Bank & Trust, Mercantile Bank, Farmers State Bank of Camp Point, Liberty Bank, and United Commonwealth Bank. The network provides shared resources, technology, and brand presence while maintaining local community banking identities.
• United Financial ServicescoreChannel Partner/ Reseller/ DistributorInsurance services including automotive, homeowners, rental, life, and business insurance products offered through United Financial Services, a division of United Community Bank.
• Early Warning Services (Zelle)coreTechnology or IntegrationZelle peer-to-peer payment service integrated into digital banking platform for fast money transfers between bank accounts at participating financial institutions

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Busey Bank: Large Illinois-headquartered community banking franchise with substantially broader geographic reach and product suite. Competes for the same Illinois consumer, business, and agricultural clients but at greater scale.

Direct peers

• Farmers State Bank of Camp Point (United Community Bank affiliate): Another UCBI-network affiliate in rural western Illinois with a similar community banking model and agricultural lending emphasis. Direct peer under the same parent umbrella.
• Heartland Bank and Trust Company: Central Illinois community bank offering a similar suite of personal, business, agricultural, and wealth management services. Comparable scale, customer segments, and product breadth in overlapping Illinois geographies.
• First Mid-Illinois Bank & Trust: Independent Illinois-based community bank with comparable full-service consumer, business, and wealth management offerings in similar rural and mid-sized Illinois markets. Direct competitor for the same customer cohorts.
• Morton Community Bank: Mid-sized Illinois community bank with comparable personal banking, ag lending, and small business banking focus. Operates in similar rural Illinois geographies with overlapping customer segments.
• Marine Bank & Trust (United Community Bank affiliate): Sister bank within the United Community Bank network serving Illinois under similar community banking model. Both offer the same product suite (deposits, lending, wealth, digital) and share back-office infrastructure, making it the most direct operational comparable.
• Town & Country Bank (Illinois): Illinois-based community bank with similar consumer, business, and agricultural lending focus. Closely comparable in size, geographic footprint, and full-service community banking model.
• Jacksonville Savings Bank: Illinois-based community bank with comparable consumer deposit, mortgage, and small business lending products. Closely matched in customer segments and service model in central/western Illinois.
• Mercantile Bank (United Community Bank affiliate): Another UCBI-affiliated community bank in Illinois providing the same full-service banking, lending, and wealth management offering. Direct peer based on shared parent network, product set, and geographic footprint.

Regional players

• CNB Bank & Trust (Carlinville): Illinois community bank with similar personal, business, and agricultural banking services. Comparable scale and customer base in rural Illinois, with overlapping market geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights8 records

Customer concentration

• LinkedInlinkedin.com/company/brown-county-state-bank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

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 Brown County State Bank