Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Bank & Trust Company is an FDIC-insured commercial bank headquartered in Litchfield, IL, established in 1902 (FDIC certificate 1047), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $641.3M, up 4.4% from Q2 2025, the 84th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 16.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1047
- Headquarters
- Litchfield, IL
- Established
- 1902
- Total assets, Q2 2026
- $641.3M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 16.19%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 081903537
- Latest call report
- Q2 2026, FFIEC 041 · Bank & Trust Company call report
- Holding company
- LBT BANCSHARES, INC.
- Asset rank in state
- 84th of 319 in Illinois
Little in Bank & Trust Company's latest call report stands out. The Litchfield, Illinois bank had $641 million in assets at June 30, 2026, up 4.4% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Loans are outrunning deposits: over the year loans rose 10.5% and deposits rose 3.8%.
As of June 30, 2026, Bank & Trust Company reported a CET1 capital ratio of 16.19%, a return on assets of 1.12%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.23%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Bank & Trust Company is the 84th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $641.3M, loans rose 2.3% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 23.3% of total loans, followed by farmland and other real estate loans at 21.4%. Its 11 offices in the FDIC Summary of Deposits are in 10 cities in IL; its Litchfield 2 offices book 41% of its branch deposits. Judged on its Q2 2026 call report, Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 N Madison St, Litchfield, IL 62056
- County
- Montgomery
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 1, 1902
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 99
- Domestic deposits
- $540.5M
- Allowance for credit losses
- $7.5M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $641.8M
- Average total loans
- $425.3M
- Average interest-bearing deposits
- $434.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1047
- Fed RSSD
- 496845
- Website
- www.banktr.com →
- Parent Holding Company
- LBT BANCSHARES, INC. (RSSD 1099195)
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 & Trust Company's total assets moved between a low of $457.6M (Q3 2023) and a high of $644.6M (Q1 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
$641.3M total assets against $614.6M; $572.5M total liabilities against $552.6M.
$426.5M net loans and leases against $386.2M; $540.5M total deposits against $520.8M.
$182.3M securities against $176.3M; $17.9M cash and balances due against $38.5M.
$8.6M total interest income against $7.9M; $2.8M total interest expense against $2.7M.
$5.8M net interest income against $5.2M.
$677K total noninterest income against $722K; $3.7M total noninterest expense against $3.3M.
$209K provision for credit losses against $84K.
$1.8M net income against $1.9M.
1.12% return on assets against 1.22%; 3.69% net interest margin against 3.44%.
16.19% CET1 capital ratio against 16.09%; 11.27% tier 1 leverage ratio against 10.83%.
Inside the full Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank & Trust Company rankings
Its closest position to the top of a national ranking is 684 of 2,134, for CET1 ratio; its furthest is 2,231 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.89% (Q3 2024) to 1.31% (Q3 2025) and its net interest margin ran from 3.08% (Q3 2024) to 3.69% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.19% | 1.12% | 0.37% | 2.23% | 3.69% |
| Q1 2026 | 16.00% | 1.14% | 0.32% | 1.80% | 3.61% |
| Q4 2025 | 15.68% | 1.06% | 0.33% | 1.90% | 3.55% |
| Q3 2025 | 15.76% | 1.31% | 0.31% | 2.00% | 3.56% |
| Q2 2025 | 16.09% | 1.22% | 0.32% | 1.95% | 3.44% |
| Q1 2025 | 16.03% | 0.96% | 0.37% | 2.30% | 3.27% |
| Q4 2024 | 15.75% | 1.06% | 0.36% | 2.25% | 3.16% |
| Q3 2024 | 15.76% | 0.89% | 0.26% | 1.61% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 & Trust Company (main office) | Litchfield , IL | 62056 | $216.1M |
| Chatham Branch | Chatham , IL | 62629 | $72.1M |
| Witt Branch | Witt , IL | 62094 | $61.9M |
| Carlinville Branch | Carlinville , IL | 62626 | $49.0M |
| Rochester Branch | Rochester , IL | 62563 | $48.2M |
| Farmersville Faciltiy | Farmersville , IL | 62533 | $37.7M |
| Raymond Branch | Raymond , IL | 62560 | $30.0M |
| Coffeen Branch | Coffeen , IL | 62017 | $19.5M |
| Money Centre Branch | Litchfield , IL | 62056 | $6.0M |
| Irving Branch | Irving , IL | 62051 | $0 |
| Fillmore Branch | Fillmore , IL | 62032 | $0 |
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 |
|---|---|---|---|
| May 25, 2024 | M&A | Acquired Security National Bank merger for the acquired bank | SEC |
| May 25, 2024 | Structure Change | Acquired Security National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 24, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 9, 1985 | M&A | Acquired State Bank of Farmersville failure_government_assistance_provided for the acquired bank | SEC |
| August 9, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 9, 1985 | Structure Change | Acquired State Bank of Farmersville 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 101 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $2.4M approved, $2.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 & Trust Company
What are Bank & Trust Company's total assets?
As of the Q2 2026 filing, Bank & Trust Company reported total assets of $641.3 million in its FFIEC call report.
Where is Bank & Trust Company headquartered?
It is headquartered in Litchfield, IL, United States.
When was Bank & Trust Company founded?
It was established in 1902, per the FDIC institution directory.
Is Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1047). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank & Trust Company?
Bank & Trust Company's primary federal regulator is the FDIC.
What is Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank & Trust Company operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 2.23% 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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