Bank & Trust Company: Financial Reports & UBPR Data
BankRegReports is independent of Bank & Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Little in Bank & Trust Company's latest call report stands out. The Litchfield, Illinois bank had $641 million in assets at June 30, 2026, up 4.4% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Loans are outrunning deposits: over the year loans rose 10.5% and deposits rose 3.8%.
As of June 30, 2026, Bank & Trust Company reported a CET1 capital ratio of 16.19%, a return on assets of 1.12%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.23%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 401 N Madison St, Litchfield, IL 62056
- County
- Montgomery
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 1, 1902
- Offices
- 11 domestic
- Employees (FTE)
- 99
- Domestic deposits
- $540.5M
- Allowance for credit losses
- $7.5M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $641.8M
- Average total loans
- $425.3M
- Average interest-bearing deposits
- $434.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1047
- Fed RSSD
- 496845
- Website
- www.banktr.com →
- Parent Holding Company
- LBT BANCSHARES, INC. (RSSD 1099195)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank & Trust Company, freeBank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.19% | 1.12% | 0.37% | 2.23% | 3.69% |
| Q1 2026 | 16.00% | 1.14% | 0.32% | 1.80% | 3.61% |
| Q4 2025 | 15.68% | 1.06% | 0.33% | 1.90% | 3.55% |
| Q3 2025 | 15.76% | 1.31% | 0.31% | 2.00% | 3.56% |
| Q2 2025 | 16.09% | 1.22% | 0.32% | 1.95% | 3.44% |
| Q1 2025 | 16.03% | 0.96% | 0.37% | 2.30% | 3.27% |
| Q4 2024 | 15.75% | 1.06% | 0.36% | 2.25% | 3.16% |
| Q3 2024 | 15.76% | 0.89% | 0.26% | 1.61% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank & Trust Company (main office) | Litchfield , IL | 62056 | $216.1M |
| Chatham Branch | Chatham , IL | 62629 | $72.1M |
| Witt Branch | Witt , IL | 62094 | $61.9M |
| Carlinville Branch | Carlinville , IL | 62626 | $49.0M |
| Rochester Branch | Rochester , IL | 62563 | $48.2M |
| Farmersville Faciltiy | Farmersville , IL | 62533 | $37.7M |
| Raymond Branch | Raymond , IL | 62560 | $30.0M |
| Coffeen Branch | Coffeen , IL | 62017 | $19.5M |
| Money Centre Branch | Litchfield , IL | 62056 | $6.0M |
| Irving Branch | Irving , IL | 62051 | $0 |
| Fillmore Branch | Fillmore , IL | 62032 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 25, 2024 | M&A | Acquired Security National Bank merger for the acquired bank | SEC |
| May 25, 2024 | Structure Change | Acquired Security National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 24, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 9, 1985 | M&A | Acquired State Bank of Farmersville failure_government_assistance_provided for the acquired bank | SEC |
| August 9, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 9, 1985 | Structure Change | Acquired State Bank of Farmersville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 101 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.4M approved, $2.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Bank & Trust Company’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Bank & Trust Company with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Bank & Trust Company
What are Bank & Trust Company's total assets?
As of the Q2 2026 filing, Bank & Trust Company reported total assets of $641.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank & Trust Company headquartered?
Bank & Trust Company is headquartered in Litchfield, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank & Trust Company founded?
Bank & Trust Company was established in 1902, per the FDIC institution directory.
Is Bank & Trust Company FDIC-insured?
Yes. Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #1047). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank & Trust Company?
Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank & Trust Company's CET1 capital ratio?
Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 16.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank & Trust Company operate?
Bank & Trust Company operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank & Trust Company's Texas Ratio?
Bank & Trust Company's Texas Ratio is 2.23% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Bank & Trust Company.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Bank & Trust Company, freeFree account