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Bank & Trust Company
Litchfield, IL · FDIC Certificate #1047 · Chartered 09/0
Total assets
$641.34M
Total deposits
$540.50M
Total equity
$68.87M
Net loans
$426.48M
Branches (offices)
11
Net income (YTD)
$3.62M
Rank: #1,476 of 4,213 U.S. banks by assets · #85 of 322 in Illinois. Assets changed 4.4% and deposits 3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 10.70% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 10.74% |
| Tier 1 leverage ratio | 11.27% |
| Uninsured deposits (share of deposits) | 21.6% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 78.9% |
| Real estate loans (share of loans) | 77.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $330.45M | 77.5% | |
| Commercial & industrial | $54.09M | 12.7% | |
| Consumer / individual | $22.66M | 5.3% | |
| Construction & development | $10.76M | 2.5% | |
| Agricultural | $17.18M | 4.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $438.54M | $368.77M | $1.85M | $36.89M |
| Jun 2023 | $455.41M | $385.57M | $2.05M | $39.80M |
| Jun 2024 | $580.15M | $498.46M | $2.48M | $52.72M |
| Jun 2025 | $614.57M | $520.82M | $3.28M | $61.93M |
| Jun 2026 | $641.34M | $540.50M | $3.62M | $68.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $540.50M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $540.50M.
Similar-sized banks
Greenville National Bank ($641.50M) · Spring Bank ($640.95M)
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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