BANK & TRUST COMPANY

LITCHFIELD, IL | Medium | Est. Sept. 1, 1902, midnight | FDIC #1047 | RSSD #496845 | FDIC
Latest Report: 2025-12-31

BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in LITCHFIELD, IL, established in Sept. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $633M and total deposits of $535M. Profitability stands at 1.06% ROA and 10.14% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 15.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.33% and a Texas Ratio of 1.90%. FDIC Certificate #1047.

Assets

$633M

Deposits

$535M

Loans

$424M

Equity

$67M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 10.14%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.76%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.33%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.90%
NPA Ratio 0.22%
ACL / Loans 1.66%

Capital & Liquidity

CET1 Ratio 15.68%
Tier 1 Capital 15.68%
Total Capital Ratio 16.93%
Leverage Ratio 11.01%
Loan-to-Deposit 79.25%

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