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Bank Of Calhoun County
Hardin, IL · FDIC Certificate #12549 · Chartered 01/0
Total assets
$99.53M
Total deposits
$89.73M
Total equity
$9.33M
Net loans
$52.44M
Branches (offices)
3
Net income (YTD)
$525.00K
Rank: #3,680 of 4,213 U.S. banks by assets · #265 of 322 in Illinois. Assets changed 4.0% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 11.32% |
| Net interest margin (YTD) | 3.46% |
| Equity to assets | 9.37% |
| Tier 1 leverage ratio | 9.72% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 58.4% |
| Real estate loans (share of loans) | 89.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $47.09M | 89.8% | |
| Commercial & industrial | $1.92M | 3.7% | |
| Consumer / individual | $2.65M | 5.0% | |
| Construction & development | $207.00K | 0.4% | |
| Agricultural | $1.04M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $91.53M | $84.03M | $128.00K | $7.09M |
| Jun 2023 | $90.14M | $81.89M | $538.00K | $7.57M |
| Jun 2024 | $97.75M | $89.08M | $457.00K | $8.24M |
| Jun 2025 | $95.67M | $86.18M | $492.00K | $8.94M |
| Jun 2026 | $99.53M | $89.73M | $525.00K | $9.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $89.73M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $89.73M.
Similar-sized banks
Integrity Bank ($99.70M) · Janesville State Bank ($98.82M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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