Bankchampaign, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Bankchampaign, N.A. is an FDIC-insured commercial bank headquartered in Champaign, IL, established in 1977 (FDIC certificate 22434), and it is supervised by the OCC. At Q2 2026 it reported total assets of $242.8M, up 3.8% from Q2 2025, the 171st largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.63% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 22434
- Headquarters
- Champaign, IL
- Established
- 1977
- Total assets, Q2 2026
- $242.8M
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 14.63%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071124614
- Holding company
- MARKET PLACE BANCSHARES, INC.
- Asset rank in state
- 171st of 319 in Illinois
Bankchampaign, N.A. is one of the more profitable banks of its size. Its balance sheet stood at $243 million at June 30, 2026, up 3.8% from a year earlier; it is based in Champaign, Illinois. It earns about $2.29 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also shrank its loan book 3.5% over the year, lower than about 9 in 10 banks its size (median 5.5%). A wide margin does most of the work: it keeps 4.46 cents of net interest income on every dollar of earning assets.
Earnings jumped: net income for the quarter was $1.5 million, 41% above the same quarter a year earlier. Over the same year, loans shrank 3.5% and deposits grew 5.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Bankchampaign, N.A. reported a CET1 capital ratio of 14.63%, a return on assets of 2.29%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 1.91%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bankchampaign, N.A. is the 171st largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 5.4% to $242.8M, loans fell 2.6% and deposits fell 6.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 24.3% of total loans, ahead of 1-4 family residential loans at 24.1%. The FDIC Summary of Deposits lists 2 offices for it, in Champaign, IL. Judged on its Q2 2026 call report, Bankchampaign, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2101 S Neil St, Champaign, IL 61820
- County
- Champaign
- Metro Area
- Champaign-Urbana, IL
- 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
- March 14, 1977
- Former names
- Market Place National Bank (1979-1989)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $193.3M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $254.1M
- Average total loans
- $198.1M
- Average interest-bearing deposits
- $173.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 1977
- FDIC Cert
- 22434
- Fed RSSD
- 436739
- SEC CIK
- 862758 → filed by MARKET PLACE BANCSHARES, INC.
- Website
- http://www.bankchampaign.com →
- Parent Holding Company
- MARKET PLACE BANCSHARES, INC. (RSSD 1249048)
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
Over the 12 quarters to Q2 2026, Bankchampaign, N.A.'s total assets ran between $200.1M (Q3 2023) and $256.6M (Q1 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
$242.8M total assets against $233.9M; $213.8M total liabilities against $206.7M.
$193.7M net loans and leases against $200.9M; $193.3M total deposits against $182.8M.
$19.9M securities against $16.6M; $21.6M cash and balances due against $8.5M.
$3.8M total interest income against $3.5M; $1.0M total interest expense against $1.0M.
$2.8M net interest income against $2.5M.
$657K total noninterest income against $601K; $1.9M total noninterest expense against $2.0M.
$37K provision for credit losses against $114K.
$1.5M net income against $1.0M.
2.29% return on assets against 1.75%; 4.46% net interest margin against 4.38%.
14.63% CET1 capital ratio against 13.77%; 11.84% tier 1 leverage ratio against 12.08%.
Inside the full Bankchampaign, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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.
Bankchampaign, N.A. rankings
Its closest position to the top of a national ranking is 248 of 3,611, for ROA; its furthest is 2,740 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.58% (Q1 2025) to 4.79% (Q3 2024) and its net interest margin ran from 3.92% (Q3 2024) to 4.73% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.63% | 2.29% | 0.00% | 1.91% | 4.46% |
| Q1 2026 | 14.65% | 1.95% | 0.00% | 1.88% | 4.36% |
| Q4 2025 | 13.88% | 2.24% | 0.00% | 1.91% | 4.73% |
| Q3 2025 | 13.41% | 1.92% | 0.00% | 2.02% | 4.36% |
| Q2 2025 | 13.77% | 1.75% | 0.01% | 2.15% | 4.38% |
| Q1 2025 | 13.62% | 1.58% | 0.01% | 2.14% | 4.16% |
| Q4 2024 | 14.83% | 1.94% | 0.01% | 2.10% | 4.10% |
| Q3 2024 | 15.31% | 4.79% | 0.03% | 2.23% | 3.92% |
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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 |
|---|---|---|---|
| Bankchampaign, N.A. (main office) | Champaign , IL | 61820 | $193.3M |
| Market Place Branch | Champaign , IL | 61820 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action June 24, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 213 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 35 loans originated, $17.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $218K approved, $218K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Bankchampaign, N.A.
What are Bankchampaign, N.A.'s total assets?
As of the Q2 2026 filing, Bankchampaign, N.A. reported total assets of $242.8 million in its FFIEC call report.
Where is Bankchampaign, N.A. headquartered?
It is headquartered in Champaign, IL, United States.
When was Bankchampaign, N.A. founded?
It was established in 1977, per the FDIC institution directory.
Is Bankchampaign, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bankchampaign, N.A.?
Bankchampaign, N.A.'s primary federal regulator is the OCC.
What is Bankchampaign, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bankchampaign, N.A. 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 Bankchampaign, N.A.'s Texas Ratio?
Its Texas Ratio is 1.91% 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 Bankchampaign, N.A. previously called?
The charter now named Bankchampaign, N.A. has also operated as Market Place National Bank (1979-1989), per FDIC structure-change records.
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