Country Trust Bank
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Data as of · sourced from FFIEC call reports. How we update
Country Trust Bank is an FDIC-insured savings institution headquartered in Bloomington, IL, established in 2000 (FDIC certificate 35602), and it is supervised by the OCC. At Q2 2026 it reported total assets of $42.3M, up 7.9% from Q2 2025, the 298th largest of 319 banks headquartered in Illinois.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35602
- Headquarters
- Bloomington, IL
- Established
- 2000
- Total assets, Q2 2026
- $42.3M
- Assets vs Q2 2025
- +7.9%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071174499
- Asset rank in state
- 298th of 319 in Illinois
Country Trust Bank is one of the more profitable banks of its size. The Bloomington, Illinois bank had $42 million in assets at June 30, 2026, up 7.9% from a year earlier. It returns 34.6% a year on shareholders' equity, 4.0 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also pays an average of 0.00% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.53%). A wide margin does most of the work: it keeps 5.17 cents of net interest income on every dollar of earning assets.
Net income for the quarter slipped 22% from a year earlier, to $3.0 million.
As of June 30, 2026, Country Trust Bank reported a CET1 capital ratio of 115.01%, a return on assets of 25.88% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Country Trust Bank is the 298th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.9% to $42.3M, deposits rose 0.9%. Its one office in the FDIC Summary of Deposits is in Bloomington, IL. On its Q2 2026 call report, Country Trust Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1711 General Electric Rd, Bloomington, IL 61704
- County
- Mclean
- Metro Area
- Bloomington, IL
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 1, 2000
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $798K
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $46.5M
- Average total loans
- $0
- Average interest-bearing deposits
- $798K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 1, 2000
- FDIC Cert
- 35602
- Fed RSSD
- 449935
- Website
- www.countryfinancial.com/ →
Profitability
Q2 annualizedAsset Quality
Capital & 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, Country Trust Bank's total assets ran between $33.3M (Q4 2023) and $42.3M (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
$42.3M total assets against $39.2M; $6.1M total liabilities against $6.9M.
$0 net loans and leases against $0; $798K total deposits against $768K.
$27.3M securities against $19.3M; $3K cash and balances due against $3K.
$295K total interest income against $267K; $0 total interest expense against $0.
$295K net interest income against $267K.
$20.8M total noninterest income against $18.7M; $17.1M total noninterest expense against $13.6M.
$0 provision for credit losses against $0.
$3.0M net income against $3.9M.
25.88% return on assets against 34.19%; 5.17% net interest margin against 5.04%.
115.01% CET1 capital ratio against 98.69%; 78.65% tier 1 leverage ratio against 73.26%.
Inside the full Country Trust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCountry Trust Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 9.03% (Q3 2025) to 34.19% (Q2 2025) and its net interest margin ran from 4.73% (Q1 2025) to 5.34% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 115.01% | 25.88% | — | 0.00% | 5.17% |
| Q1 2026 | 105.82% | 17.69% | — | 0.00% | 5.14% |
| Q4 2025 | 107.33% | 12.62% | — | 0.00% | 5.34% |
| Q3 2025 | 104.65% | 9.03% | — | 0.00% | 5.23% |
| Q2 2025 | 98.69% | 34.19% | — | 0.00% | 5.04% |
| Q1 2025 | 100.48% | 23.17% | — | 0.00% | 4.73% |
| Q4 2024 | 108.75% | 13.58% | — | 0.00% | 5.11% |
| Q3 2024 | 118.37% | 29.89% | — | 0.00% | 5.20% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Country Trust Bank (main office) | Bloomington , IL | 61704 | $798K |
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 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 379 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Country Trust Bank
What are Country Trust Bank's total assets?
As of the Q2 2026 filing, Country Trust Bank reported total assets of $42.3 million in its FFIEC call report.
Where is Country Trust Bank headquartered?
It is headquartered in Bloomington, IL, United States.
When was Country Trust Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Country Trust Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #35602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Country Trust Bank?
Country Trust Bank's primary federal regulator is the OCC.
What is Country Trust Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 115.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Country Trust Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Country Trust Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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