Constitution Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Constitution Bank, N.A. is an FDIC-insured commercial bank headquartered in Hillsboro, IL, established in 1945 (FDIC certificate 16276), and it is supervised by the OCC. At Q2 2026 it reported total assets of $683.1M, up 4.6% from Q2 2025, the 78th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 16276
- Headquarters
- Hillsboro, IL
- Established
- 1945
- Total assets, Q2 2026
- $683.1M
- Assets vs Q2 2025
- +4.6%
- Tier 1 leverage ratio, Q2 2026
- 10.17%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 081904798
- Latest call report
- Q2 2026, FFIEC 051 · Constitution Bank, N.A. call report
- Holding company
- COUNTRY BANCORP, INC.
- Asset rank in state
- 78th of 319 in Illinois
Problem loans are rising at Constitution Bank, N.A.. The Hillsboro, Illinois bank had $683 million in assets at June 30, 2026, up 4.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.62% of loans from 0.20% a year earlier.
Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 17% of Tier 1 capital, down from 23% a year earlier.
As of June 30, 2026, Constitution Bank, N.A. reported a return on assets of 1.03%, a nonperforming-loan ratio of 0.62% and a Texas ratio of 4.42%. The figures come from its call report filed with the FFIEC.
Constitution Bank, N.A. ranks as the 78th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $683.1M, loans rose 3.2% and deposits rose 0.4%. Owner-occupied commercial real estate loans made up 41.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 13.2%. The FDIC Summary of Deposits lists 14 offices for it, in 13 cities in IL; its Hillsboro 2 offices book 33% of its branch deposits. On its Q2 2026 call report, Constitution Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 230 S Main St, Hillsboro, IL 62049
- County
- Montgomery
- Metro Area
- St. Louis, MO-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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 2, 1945
- Former names
- Bank of Hillsboro, National Association (2018-2025); National Bank (1993-2018)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $618.6M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $695.3M
- Average total loans
- $490.6M
- Average interest-bearing deposits
- $528.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 2, 1945
- FDIC Cert
- 16276
- Fed RSSD
- 659341
- Website
- www.constitutionbank.com →
- Parent Holding Company
- COUNTRY BANCORP, INC. (RSSD 1098581)
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, Constitution Bank, N.A. 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, Constitution Bank, N.A.'s total assets ranged from $559.1M (Q4 2023) to $683.1M (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
$683.1M total assets against $652.7M; $620.9M total liabilities against $600.2M.
$485.2M net loans and leases against $463.1M; $618.6M total deposits against $598.2M.
$150.1M securities against $145.1M; $18.1M cash and balances due against $18.5M.
$8.7M total interest income against $8.0M; $2.7M total interest expense against $2.8M.
$6.0M net interest income against $5.2M.
$613K total noninterest income against $580K; $3.6M total noninterest expense against $3.1M.
$536K provision for credit losses against $317K.
$1.8M net income against $1.7M.
1.03% return on assets against 1.01%; 3.63% net interest margin against 3.28%.
10.17% tier 1 leverage ratio against 9.49%.
Inside the full Constitution Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeConstitution Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,131 of 3,606, for efficiency ratio; its furthest is 2,430 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.52% (Q3 2024) to 1.19% (Q1 2026) and its net interest margin ran from 2.48% (Q3 2024) to 3.63% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.17% | 1.03% | 0.62% | 4.42% | 3.63% |
| Q1 2026 | 10.09% | 1.19% | 0.50% | 3.62% | 3.56% |
| Q4 2025 | 9.82% | 1.14% | 0.18% | 1.33% | 3.44% |
| Q3 2025 | 9.49% | 1.11% | 0.21% | 1.60% | 3.31% |
| Q2 2025 | 9.49% | 1.01% | 0.20% | 1.64% | 3.28% |
| Q1 2025 | 9.35% | 0.89% | 0.22% | 1.79% | 3.07% |
| Q4 2024 | 9.37% | 0.59% | 0.22% | 1.85% | 2.82% |
| Q3 2024 | 9.23% | 0.52% | 0.20% | 1.84% | 2.48% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| Constitution Bank, N.A. (main office) | Hillsboro , IL | 62049 | $207.2M |
| Staunton Branch | Staunton , IL | 62088 | $76.3M |
| Carlyle Branch | Carlyle , IL | 62231 | $75.4M |
| Edwardsville Branch | Edwardsville , IL | 62025 | $63.9M |
| Vandalia Branch | Vandalia , IL | 62471 | $33.3M |
| Mt. Olive Branch | Mt. Olive , IL | 62069 | $32.0M |
| Alhambra Branch | Alhambra , IL | 62001 | $29.8M |
| Greenville Branch | Greenville , IL | 62246 | $27.7M |
| Effingham Branch | Effingham , IL | 62401 | $27.4M |
| Highland Branch | Highland , IL | 62249 | $25.4M |
| Hamel Branch | Hamel , IL | 62046 | $12.1M |
| Troy Branch | Troy , IL | 62294 | $4.2M |
| Glen Carbon Branch | Glen Carbon , IL | 62034 | $3.8M |
| Drive-In Facility | Hillsboro , IL | 62049 | $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 |
|---|---|---|---|
| October 11, 2008 | Structure Change | Acquired Meridian Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 10, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 21, 1997 | Structure Change | Acquired State Bank of Keyesport Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 18, 1996 | Structure Change | Acquired Security Savings Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 17, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 24, 1995 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 23, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Enforcement actions
- 1 against the institution (OCC)
- April 22, 2004, OCC: Formal Agreement: National Bank
- Period: Most recent institution action April 22, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 88 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $75K approved, $38K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Constitution Bank, N.A.
What are Constitution Bank, N.A.'s total assets?
As of the Q2 2026 filing, Constitution Bank, N.A. reported total assets of $683.1 million in its FFIEC call report.
Where is Constitution Bank, N.A. headquartered?
It is headquartered in Hillsboro, IL, United States.
When was Constitution Bank, N.A. founded?
It was established in 1945, per the FDIC institution directory.
Is Constitution Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16276). 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.
How many branches does Constitution Bank, N.A. operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Constitution Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 4.42% 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 Constitution Bank, N.A. previously called?
The charter now named Constitution Bank, N.A. has also operated as Bank of Hillsboro, National Association (2018-2025), National Bank (1993-2018), per FDIC structure-change records.
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