Bank of Rantoul
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Data as of · sourced from FFIEC call reports. How we update
Bank of Rantoul is an FDIC-insured commercial bank headquartered in Rantoul, IL, established in 1920 (FDIC certificate 11711), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $285.8M, up 10.5% from Q2 2025, the 158th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.75% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11711
- Headquarters
- Rantoul, IL
- Established
- 1920
- Total assets, Q2 2026
- $285.8M
- Assets vs Q2 2025
- +10.5%
- Tier 1 leverage ratio, Q2 2026
- 10.75%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071119289
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Rantoul call report
- Holding company
- BANCORP OF RANTOUL, INC.
- Asset rank in state
- 158th of 319 in Illinois
Bank of Rantoul, based in Rantoul, Illinois, reported $286 million in assets at June 30, 2026, up 10.5% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it keeps 3.27 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Earnings fell sharply: quarterly net income of $790,000 was 33% below a year earlier. Over the same year, loans shrank 0.3% and deposits grew 10.0%.
As of June 30, 2026, Bank of Rantoul reported a return on assets of 1.10%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Bank of Rantoul is the 158th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $285.8M, loans fell 6.1% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 26.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.9%. Its 2 offices in the FDIC Summary of Deposits are in Rantoul, IL and Rossville, IL; its Rantoul office books 84% of its branch deposits. On its Q2 2026 call report, Bank of Rantoul meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 E Champaign Ave, Rantoul, IL 61866
- County
- Champaign
- Metro Area
- Champaign-Urbana, 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 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 25, 1920
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $223.3M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $287.9M
- Average total loans
- $98.0M
- Average interest-bearing deposits
- $186.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11711
- Fed RSSD
- 37949
- Website
- https://www.bankofrantoul.bank →
- Parent Holding Company
- BANCORP OF RANTOUL, INC. (RSSD 1138526)
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, Bank of Rantoul reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Rantoul's total assets ranged from $239.1M (Q4 2023) to $285.8M (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
$285.8M total assets against $258.5M; $258.3M total liabilities against $234.9M.
$94.4M net loans and leases against $94.9M; $223.3M total deposits against $203.1M.
$150.4M securities against $122.8M; $29.3M cash and balances due against $29.3M.
$3.4M total interest income against $3.2M; $1.2M total interest expense against $1.2M.
$2.1M net interest income against $2.0M.
$131K total noninterest income against $136K; $1.5M total noninterest expense against $924K.
$0 provision for credit losses against $75K.
$790K net income against $1.2M.
1.10% return on assets against 1.78%; 3.27% net interest margin against 3.42%.
10.75% tier 1 leverage ratio against 11.06%.
Inside the full Bank of Rantoul terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Rantoul rankings
Its closest position to the top of a national ranking is 1,931 of 3,606, for efficiency ratio; its furthest is 3,483 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q2 2026) to 1.94% (Q1 2025) and its net interest margin ran from 3.27% (Q2 2026) to 3.57% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.75% | 1.10% | 0.00% | 0.00% | 3.27% |
| Q1 2026 | 10.72% | 1.87% | 0.00% | 0.00% | 3.29% |
| Q4 2025 | 11.05% | 1.72% | 0.00% | 0.00% | 3.53% |
| Q3 2025 | 11.51% | 1.77% | 0.00% | 0.00% | 3.57% |
| Q2 2025 | 11.06% | 1.78% | 0.00% | 0.00% | 3.42% |
| Q1 2025 | 10.98% | 1.94% | 1.74% | 6.77% | 3.49% |
| Q4 2024 | 10.99% | 1.34% | 1.87% | 8.33% | 3.48% |
| Q3 2024 | 11.03% | 1.55% | 2.11% | 8.49% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Rantoul (main office) | Rantoul , IL | 61866 | $187.1M |
| Rossville Branch | Rossville , IL | 60963 | $36.2M |
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 |
|---|---|---|---|
| June 21, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 21, 1999 | Structure Change | Acquired First National Bank of Rossville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 195 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $3.2M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Rantoul
What are Bank of Rantoul's total assets?
As of the Q2 2026 filing, Bank of Rantoul reported total assets of $285.8 million in its FFIEC call report.
Where is Bank of Rantoul headquartered?
It is headquartered in Rantoul, IL, United States.
When was Bank of Rantoul founded?
It was established in 1920, per the FDIC institution directory.
Is Bank of Rantoul FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Rantoul?
Bank of Rantoul's primary federal regulator is the FDIC.
How many branches does Bank of Rantoul operate?
It operates 2 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 Rantoul's Texas Ratio?
Its Texas Ratio is 0.00% 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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