Bank of Belleville
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Data as of · sourced from FFIEC call reports. How we update
Bank of Belleville is an FDIC-insured commercial bank headquartered in Belleville, IL, established in 2005 (FDIC certificate 58114), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $562.9M, up 11.9% from Q2 2025, the 91st largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 11.16% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58114
- Headquarters
- Belleville, IL
- Established
- 2005
- Total assets, Q2 2026
- $562.9M
- Assets vs Q2 2025
- +11.9%
- CET1 ratio, Q2 2026
- 11.16%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081026540
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Belleville call report
- Holding company
- BELLEVILLE BANCORP, INC.
- Asset rank in state
- 91st of 319 in Illinois
Problem loans are rising at Bank of Belleville. The Belleville, Illinois bank had $563 million in assets at June 30, 2026, up 11.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.02% of loans from 1.58% a year earlier. It holds common equity equal to 11.16% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also carries problem assets equal to 17.9% of the capital and reserves that would absorb them, 6.8 times the median of 2.6% for banks its size.
The commercial and industrial book ($77 million) is worsening: 2.57% of it is past due or on nonaccrual, up from 0.05% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 6.5% and deposits fell 1.3%. Its margin is thin by comparison: it keeps 3.29 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Bank of Belleville reported a CET1 capital ratio of 11.16%, a return on assets of 1.14%, a nonperforming-loan ratio of 2.02% and a Texas ratio of 17.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Belleville is the 91st largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $562.9M, loans rose 4.1% and deposits fell 7.5%. 1-4 family residential loans made up 26.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 23.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IL; its Belleville office books 84% of its branch deposits. On its Q2 2026 call report, Bank of Belleville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 215 S Illinois St, Belleville, IL 62220
- County
- St. Clair
- 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
- November 4, 2005
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $411.4M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $551.7M
- Average total loans
- $384.5M
- Average interest-bearing deposits
- $342.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 4, 2005
- FDIC Cert
- 58114
- Fed RSSD
- 3374403
- SEC CIK
- 1835642 → filed by BELLEVILLE BANCORP, INC.
- Website
- www.bankofbelleville.com →
- Parent Holding Company
- BELLEVILLE BANCORP, INC. (RSSD 4421564)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Bank of Belleville's total assets moved between a low of $449.4M (Q3 2023) and a high of $562.9M (Q2 2026) from Q3 2023 to Q2 2026, 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
$562.9M total assets against $503.0M; $522.5M total liabilities against $470.6M.
$388.0M net loans and leases against $364.4M; $411.4M total deposits against $416.7M.
$108.4M securities against $87.5M; $35.3M cash and balances due against $21.9M.
$7.1M total interest income against $5.9M; $2.9M total interest expense against $2.7M.
$4.2M net interest income against $3.2M.
$294K total noninterest income against $288K; $2.8M total noninterest expense against $2.4M.
$136K provision for credit losses against $433K.
$1.6M net income against $430K.
1.14% return on assets against 0.35%; 3.29% net interest margin against 2.81%.
11.16% CET1 capital ratio against 10.53%; 8.37% tier 1 leverage ratio against 8.09%.
Inside the full Bank of Belleville 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Belleville rankings
Its closest position to the top of a national ranking is 224 of 3,640, for Texas Ratio; its furthest is 1,924 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.35% (Q2 2025) to 1.14% (Q2 2026) and its net interest margin ran from 2.58% (Q3 2024) to 3.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.16% | 1.14% | 2.02% | 17.90% | 3.29% |
| Q1 2026 | 11.15% | 0.86% | 1.77% | 15.54% | 3.19% |
| Q4 2025 | 10.99% | 0.88% | 1.66% | 14.99% | 3.23% |
| Q3 2025 | 10.35% | 0.80% | 1.55% | 15.07% | 3.10% |
| Q2 2025 | 10.53% | 0.35% | 1.58% | 16.25% | 2.81% |
| Q1 2025 | 10.63% | 0.61% | 0.01% | 0.11% | 2.87% |
| Q4 2024 | 10.61% | 0.87% | 0.00% | 0.00% | 2.75% |
| Q3 2024 | 10.51% | 0.48% | 0.00% | 0.00% | 2.58% |
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 |
|---|---|---|---|
| Bank of Belleville (main office) | Belleville , IL | 62220 | $345.7M |
| Bank of Monroe County Branch | Waterloo , IL | 62298 | $28.7M |
| Bank of Madison County Branch | Edwardsville , IL | 62025 | $22.4M |
| Bank of Clinton County Branch | New Baden , IL | 62265 | $14.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 125 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 92 applications, 85 loans originated, $22.4M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $3.7M approved, $619K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Bank of Belleville
What are Bank of Belleville's total assets?
As of the Q2 2026 filing, Bank of Belleville reported total assets of $562.9 million in its FFIEC call report.
Where is Bank of Belleville headquartered?
It is headquartered in Belleville, IL, United States.
When was Bank of Belleville founded?
It was established in 2005, per the FDIC institution directory.
Is Bank of Belleville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58114). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Belleville?
Bank of Belleville's primary federal regulator is the FDIC.
What is Bank of Belleville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.16% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Belleville 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 Bank of Belleville's Texas Ratio?
Its Texas Ratio is 17.90% 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.
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