Bank of Calhoun County: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of Calhoun County leans heavily on commercial real estate. Its balance sheet stood at $100 million at June 30, 2026, up 4.0% from a year earlier; it is based in Hardin, Illinois. It holds commercial real estate loans worth 1.1 times its capital, 4.4 times the median of 26% for the 583 banks with less than $100 million in assets. It also funds 9.72% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
Loans are outrunning deposits: over the year loans rose 11.2% and deposits rose 4.1%.
As of June 30, 2026, Bank of Calhoun County reported a CET1 capital ratio of 18.74%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 1.26%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 204 W Main St, Hardin, IL 62047
- County
- Calhoun
- Metro Area
- St. Louis, MO-IL
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Offices
- 3 domestic
- Employees (FTE)
- 14
- Domestic deposits
- $89.7M
- Allowance for credit losses
- $282K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $97.5M
- Average total loans
- $51.9M
- Average interest-bearing deposits
- $88.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12549
- Fed RSSD
- 960047
- Parent Holding Company
- BCC BANCSHARES, INC. (RSSD 2753289)
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.
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.
No provision recorded in the last 12 quarters.
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 of Calhoun County terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Calhoun County, freeBank of Calhoun County 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 | 18.74% | 1.21% | 0.35% | 1.26% | 3.56% |
| Q1 2026 | 19.26% | 0.94% | 0.36% | 0.07% | 3.36% |
| Q4 2025 | 18.38% | 1.04% | 0.36% | 0.09% | 3.63% |
| Q3 2025 | 18.88% | 0.90% | 0.00% | 0.06% | 3.28% |
| Q2 2025 | 19.22% | 1.17% | 0.40% | 0.13% | 3.37% |
| Q1 2025 | 22.39% | 0.89% | 0.00% | 0.10% | 3.12% |
| Q4 2024 | 18.98% | 1.00% | 0.40% | 0.00% | 3.45% |
| Q3 2024 | 18.70% | 1.03% | 0.42% | 0.00% | 3.03% |
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 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Calhoun County (main office) | Hardin , IL | 62047 | $56.2M |
| South County Branch Facility | Brussels , IL | 62013 | $17.0M |
| Fieldon Branch | Fieldon , IL | 62031 | $16.6M |
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 |
|---|---|---|---|
| April 15, 1939 | Structure Change | Acquired Bank of Brussels 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 1 event.
Regulatory record
What the public regulatory sources show for Bank of Calhoun County, 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 305 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 27 applications, 26 loans originated, $4.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. 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.
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Frequently asked about Bank of Calhoun County
What are Bank of Calhoun County's total assets?
As of the Q2 2026 filing, Bank of Calhoun County reported total assets of $99.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Calhoun County headquartered?
Bank of Calhoun County is headquartered in Hardin, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of Calhoun County founded?
Bank of Calhoun County was established in 1898, per the FDIC institution directory.
Is Bank of Calhoun County FDIC-insured?
Yes. Bank of Calhoun County is an FDIC-insured commercial bank (FDIC Certificate #12549). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Calhoun County?
Bank of Calhoun County'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 of Calhoun County's CET1 capital ratio?
Bank of Calhoun County reported a Common Equity Tier 1 (CET1) capital ratio of 18.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Calhoun County operate?
Bank of Calhoun County operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Calhoun County's Texas Ratio?
Bank of Calhoun County's Texas Ratio is 1.26% 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.
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