Constitution Bank, N.A.
Constitution Bank, N.A. is an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $679M in assets, including $476M in loans. Earnings are mid-range — 1.19% ROA and a 3.56% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.09% exceeds the 9% CBLR threshold. Asset quality is solid — 0.50% nonperforming loans and a 3.62% Texas Ratio. Constitution Bank operates a 12-branch network.
Headquarters Profile
- Address
- 212 South Main Street, HILLSBORO, IL 62049
- County
- Montgomery
- Metro Area
- ST. LOUIS, MO-IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 9
- Established
- January 1, 1869
- Branches
- 12 domestic
- Employees (FTE)
- 112
- FDIC Cert
- 1044
- Fed RSSD
- 659341
- Parent Holding Company
- COUNTRY BANCORP, INC. (RSSD 1098581)
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Constitution Bank, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in FDIC Assisted MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
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Frequently asked about Constitution Bank, N.A.
What are Constitution Bank, N.A.'s total assets?
As of the Q1 2026 filing, Constitution Bank, N.A. reported total assets of $678.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Constitution Bank, N.A. headquartered?
Constitution Bank, N.A. is headquartered in HILLSBORO, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Constitution Bank, N.A. founded?
Constitution Bank, N.A. was established in 1869, per the FDIC institution directory.
Is Constitution Bank, N.A. FDIC-insured?
Yes. Constitution Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #1044). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Constitution Bank, N.A.?
Constitution Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Constitution Bank, N.A. operate?
Constitution Bank, N.A. operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Constitution Bank, N.A.'s Texas Ratio?
Constitution Bank, N.A.'s Texas Ratio is 3.62% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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