HICKORY POINT BANK AND TRUST

DECATUR, IL | Medium | Est. June 4, 1979, midnight | FDIC #22874 | RSSD #550635 | FDIC
Latest Report: 2025-12-31

HICKORY POINT BANK AND TRUST is amn medium FDIC-insured commercial bank headquartered in DECATUR, IL, established in June 4, 1979, midnight. As of 2025-12-31, the bank reported total assets of $713M and total deposits of $628M. Profitability stands at 1.35% ROA and 12.66% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 16.18%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.38%. FDIC Certificate #22874.

Assets

$713M

Deposits

$628M

Loans

$441M

Equity

$77M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 12.66%
Net Interest Margin (NIM) 3.78%
Yield on Assets 5.16%
Cost of Funds 1.43%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.38%
NPA Ratio 0.04%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 16.18%
Tier 1 Capital 16.18%
Total Capital Ratio 17.32%
Leverage Ratio 10.79%
Loan-to-Deposit 70.25%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required