Albany Bank & Trust Co., N.A.
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Data as of · sourced from FFIEC call reports. How we update
Albany Bank & Trust Co., N.A. is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 1953 (FDIC certificate 17230), and it is supervised by the OCC. At Q2 2026 it reported total assets of $721.8M, up 1.4% from Q2 2025, the 72nd largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 17230
- Headquarters
- Chicago, IL
- Established
- 1953
- Total assets, Q2 2026
- $721.8M
- Assets vs Q2 2025
- +1.4%
- Tier 1 leverage ratio, Q2 2026
- 16.98%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071004446
- Latest call report
- Q2 2026, FFIEC 051 · Albany Bank & Trust Co., N.A. Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- ALBANK CORPORATION
- Asset rank in state
- 72nd of 319 in Illinois
Albany Bank & Trust Co., N.A. carries far more capital than most banks of its size. It reported $722 million in assets at June 30, 2026, up 1.4% from a year earlier. It funds 16.98% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for banks its size.
Delinquency has appeared in its $63 million commercial and industrial book: 3.71% of those loans are past due or on nonaccrual, against almost none a year earlier. Its $126 million non-owner-occupied commercial real estate book is improving, with 3.78% past due or on nonaccrual, down from 6.96% a year earlier. Profitability lags: it returns 4.7% a year on shareholders' equity, about a third the median of 12.6% for banks its size.
As of June 30, 2026, Albany Bank & Trust Co., N.A. reported a return on assets of 0.81%, a nonperforming-loan ratio of 1.13% and a Texas ratio of 4.81%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Albany Bank & Trust Co., N.A. is the 72nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $721.8M, loans rose 1.0% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by multifamily loans, at 53.0% of total loans, followed by non-owner-occupied commercial real estate loans at 23.0%. The FDIC Summary of Deposits lists 4 offices for it, in Chicago, IL and Skokie, IL; its Chicago 3 offices book 82% of its branch deposits. Judged on its Q2 2026 call report, Albany Bank & Trust Co., N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3400 W Lawrence Ave, Chicago, IL 60625
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 27, 1953
- Former names
- Albank National Association (2026); Albany Bank and Trust Company National Association (1977-2026)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $591.1M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $727.6M
- Average total loans
- $544.5M
- Average interest-bearing deposits
- $463.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 27, 1953
- FDIC Cert
- 17230
- Fed RSSD
- 2732
- Website
- www.albanybank.com →
- Parent Holding Company
- ALBANK CORPORATION (RSSD 1208933)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Albany Bank & Trust Co., N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Albany Bank & Trust Co., N.A.'s total assets ran between $704.3M (Q3 2024) and $742.3M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$721.8M total assets against $711.7M; $597.4M total liabilities against $591.4M.
$543.3M net loans and leases against $566.1M; $591.1M total deposits against $584.9M.
$44.4M securities against $37.0M; $123.0M cash and balances due against $97.8M.
$8.9M total interest income against $8.5M; $3.0M total interest expense against $3.3M.
$6.0M net interest income against $5.2M.
$185K total noninterest income against $197K; $3.5M total noninterest expense against $3.4M.
$485K provision for credit losses against $120K.
$1.5M net income against $1.3M.
0.81% return on assets against 0.73%; 3.35% net interest margin against 2.97%.
16.98% tier 1 leverage ratio against 16.72%.
Inside the full Albany Bank & Trust Co., N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Albany Bank & Trust Co., N.A. rankings
Its closest position to the top of a national ranking is 1,341 of 4,196, for total assets; its furthest is 2,882 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.49% (Q1 2025) to 1.39% (Q4 2025) and its net interest margin ran from 2.76% (Q1 2025) to 3.35% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.98% | 0.81% | 1.13% | 4.81% | 3.35% |
| Q1 2026 | 16.69% | 0.76% | 1.14% | 4.86% | 3.08% |
| Q4 2025 | 16.50% | 1.39% | 1.88% | 8.07% | 3.18% |
| Q3 2025 | 16.54% | 0.78% | 1.82% | 8.12% | 3.03% |
| Q2 2025 | 16.72% | 0.73% | 1.85% | 8.48% | 2.97% |
| Q1 2025 | 16.76% | 0.49% | 2.50% | 11.68% | 2.76% |
| Q4 2024 | 16.45% | 1.30% | 0.00% | 0.29% | 3.04% |
| Q3 2024 | 16.56% | 0.79% | 0.00% | 0.29% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Albank National Association | Chicago , IL | 60625 | $435.4M |
| Albank North Branch | Skokie , IL | 60077 | $106.0M |
| West Lawrence Avenue Branch | Chicago , IL | 60630 | $35.3M |
| Albank East Branch | Chicago , IL | 60625 | $14.4M |
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 |
|---|---|---|---|
| March 19, 1994 | Structure Change | Acquired Irving Federal Bank for Savings, F. S. B. 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 92 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 20 applications, 12 loans originated, $13.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $750K approved, $750K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Albany Bank & Trust Co., N.A.
What are Albany Bank & Trust Co., N.A.'s total assets?
As of the Q2 2026 filing, Albany Bank & Trust Co., N.A. reported total assets of $721.8 million in its FFIEC call report.
Where is Albany Bank & Trust Co., N.A. headquartered?
It is headquartered in Chicago, IL, United States.
When was Albany Bank & Trust Co., N.A. founded?
It was established in 1953, per the FDIC institution directory.
Is Albany Bank & Trust Co., N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Albany Bank & Trust Co., N.A.?
Albany Bank & Trust Co., N.A.'s primary federal regulator is the OCC.
How many branches does Albany Bank & Trust Co., N.A. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Albany Bank & Trust Co., N.A.'s Texas Ratio?
Its Texas Ratio is 4.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Albany Bank & Trust Co., N.A. previously called?
The charter now named Albany Bank & Trust Co., N.A. has also operated as Albank National Association (2026), Albany Bank and Trust Company National Association (1977-2026), per FDIC structure-change records.
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