CONSTITUTION BANK, NATIONAL ASSOCIATION

HILLSBORO, IL | Medium | Est. July 2, 1945, midnight | FDIC #16276 | RSSD #659341 | OCC
Latest Report: 2025-12-31

CONSTITUTION BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in HILLSBORO, IL, established in July 2, 1945, midnight. As of 2025-12-31, the bank reported total assets of $660M and total deposits of $599M. Profitability stands at 1.16% ROA and 13.50% ROE, with a net interest margin of 3.63%. The bank's CET1 capital ratio is 8.89%. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.33%. FDIC Certificate #16276.

Assets

$660M

Deposits

$599M

Loans

$471M

Equity

$59M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 13.50%
Net Interest Margin (NIM) 3.63%
Yield on Assets 5.51%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.33%
NPA Ratio 0.13%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 8.89%
Tier 1 Capital 8.89%
Total Capital Ratio 9.33%
Leverage Ratio 9.82%
Loan-to-Deposit 78.65%

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