Blackhawk Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Blackhawk Bank & Trust is an FDIC-insured commercial bank headquartered in Milan, IL, established in 1961 (FDIC certificate 18402), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.04B, up 9.1% from Q2 2025, the 38th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.54% 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
- 18402
- Headquarters
- Milan, IL
- Established
- 1961
- Total assets, Q2 2026
- $2.04B
- Assets vs Q2 2025
- +9.1%
- Tier 1 leverage ratio, Q2 2026
- 10.54%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 071123123
- Latest call report
- Q2 2026, FFIEC 051 · Blackhawk Bank & Trust call report
- Holding company
- BLACKHAWK BANCORPORATION, INC.
- Asset rank in state
- 38th of 319 in Illinois
Blackhawk Bank & Trust runs leaner than most banks of its size. The Milan, Illinois bank had $2.0 billion in assets at June 30, 2026, up 9.1% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also returns 18.2% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Earnings jumped: net income for the quarter was $8.8 million, 87% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.09% of loans from 0.36%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Blackhawk Bank & Trust reported a return on assets of 1.74%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 1.92%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Blackhawk Bank & Trust is the 38th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.2% to $2.04B, loans rose 2.6% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 26.7% of total loans, ahead of construction and land development loans at 16.1%. Its 19 offices in the FDIC Summary of Deposits are in 15 cities across 2 states; its Milan 4 offices book 29% of its branch deposits. By the capital ratios in its Q2 2026 call report, Blackhawk Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 4th St W, Milan, IL 61264
- County
- Rock Island
- Metro Area
- Davenport-Moline-Rock Island, IA-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
- June 28, 1961
- Former names
- Blackhawk State Bank (1973-2008)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 240
- Domestic deposits
- $1.60B
- Allowance for credit losses
- $12.8M
- Net charge-offs (YTD)
- $682K
- Average total assets
- $2.02B
- Average total loans
- $1.24B
- Average interest-bearing deposits
- $1.30B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 28, 1961
- FDIC Cert
- 18402
- Fed RSSD
- 890742
- Website
- www.choosethechief.com →
- Parent Holding Company
- BLACKHAWK BANCORPORATION, INC. (RSSD 1823345)
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, Blackhawk Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Blackhawk Bank & Trust's total assets moved between a low of $1.83B (Q3 2024) and a high of $2.04B (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
$2.04B total assets against $1.87B; $1.84B total liabilities against $1.69B.
$1.25B net loans and leases against $1.15B; $1.60B total deposits against $1.48B.
$701.3M securities against $637.5M; $22.5M cash and balances due against $32.7M.
$27.4M total interest income against $22.4M; $9.7M total interest expense against $10.3M.
$17.8M net interest income against $12.1M.
$2.6M total noninterest income against $1.7M; $8.8M total noninterest expense against $7.9M.
$1.6M provision for credit losses against $200K.
$8.8M net income against $4.7M.
1.74% return on assets against 0.97%; 3.79% net interest margin against 2.69%.
10.54% tier 1 leverage ratio against 10.00%.
Inside the full Blackhawk Bank & Trust 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.
Blackhawk Bank & Trust rankings
Its closest position to the top of a national ranking is 291 of 3,606, for efficiency ratio; its furthest is 2,287 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.52% (Q3 2024) to 1.74% (Q2 2026) and its net interest margin ran from 1.98% (Q3 2024) to 3.79% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.54% | 1.74% | 0.09% | 1.92% | 3.79% |
| Q1 2026 | 10.78% | 1.33% | 0.10% | 1.66% | 3.34% |
| Q4 2025 | 10.46% | 1.30% | 0.33% | 2.61% | 3.32% |
| Q3 2025 | 10.48% | 1.08% | 0.44% | 3.09% | 2.97% |
| Q2 2025 | 10.00% | 0.97% | 0.36% | 2.71% | 2.69% |
| Q1 2025 | 10.09% | 0.81% | 0.35% | 2.68% | 2.50% |
| Q4 2024 | 10.24% | 0.79% | 0.28% | 2.23% | 2.33% |
| Q3 2024 | 10.10% | 0.52% | 0.30% | 2.23% | 1.98% |
Swipe the table sideways to see every column.
Branch Network
View all 19 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 |
|---|---|---|---|
| Blackhawk Bank & Trust (main office) | Milan , IL | 61264 | $400.4M |
| Silvis Branch | Silvis , IL | 61282 | $188.2M |
| East Moline Branch | East Moline , IL | 61244 | $152.2M |
| Lil'Hawk Facility | Rock Island , IL | 61201 | $110.6M |
| Coal Valley Facility | Coal Valley , IL | 61240 | $92.8M |
| Leclaire Branch | Leclaire , IA | 52753 | $86.0M |
| Country Bank Branch | Aledo , IL | 61231 | $80.2M |
| Colona Branch | Colona , IL | 61241 | $77.8M |
| Port Byron Branch | Port Byron , IL | 61275 | $76.8M |
| Geneseo Facility | Geneseo , IL | 61254 | $61.6M |
| 3889 Elmore Avenue Branch | Davenport , IA | 52807 | $57.6M |
| Parkway Branch | Milan , IL | 61264 | $53.5M |
| Moline Branch | Moline , IL | 61265 | $45.4M |
| Moline Valley Facility | Moline , IL | 61265 | $33.6M |
| Princeton Branch | Princeton , IA | 52768 | $30.4M |
| Edgington Branch | Taylor Ridge , IL | 61284 | $28.3M |
| Bettendorf Branch | Bettendorf , IA | 52722 | $23.2M |
| Www.Choosethechief.Com Branch | Milan , IL | 61264 | $3.9M |
| Drive-In Facility | Milan , IL | 61264 | $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 |
|---|---|---|---|
| June 30, 2016 | Structure Change | Acquired Port Byron State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 2011 | Structure Change | Acquired Country Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 14, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 19, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 19, 2008 | Structure Change | Acquired Great River Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1986 | Structure Change | Acquired Valley Bank of Coal Valley 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 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IL, rank 58 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 285 applications, 210 loans originated, $36.1M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $268K approved, $268K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Blackhawk Bank & Trust
What are Blackhawk Bank & Trust's total assets?
As of the Q2 2026 filing, Blackhawk Bank & Trust reported total assets of $2.04 billion in its FFIEC call report.
Where is Blackhawk Bank & Trust headquartered?
It is headquartered in Milan, IL, United States.
When was Blackhawk Bank & Trust founded?
It was established in 1961, per the FDIC institution directory.
Is Blackhawk Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Blackhawk Bank & Trust?
Blackhawk Bank & Trust's primary federal regulator is the FDIC.
How many branches does Blackhawk Bank & Trust operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Blackhawk Bank & Trust's Texas Ratio?
Its Texas Ratio is 1.92% 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 Blackhawk Bank & Trust previously called?
The charter now named Blackhawk Bank & Trust has also operated as Blackhawk State Bank (1973-2008), per FDIC structure-change records.
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