HICKORY POINT BANK AND TRUST is an 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%. CET1 capital ratio: 16.18%, well above regulatory minimums. NPL ratio: 0.07% · Texas Ratio: 0.38%. Operates 9 domestic branches.
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