FNBC Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
FNBC Bank and Trust is an FDIC-insured commercial bank headquartered in La Grange, IL, established in 1908 (FDIC certificate 11306), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $581.6M, up 1.6% from Q2 2025, the 90th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 17.63% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11306
- Headquarters
- La Grange, IL
- Established
- 1908
- Total assets, Q2 2026
- $581.6M
- Assets vs Q2 2025
- +1.6%
- CET1 ratio, Q2 2026
- 17.63%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071903929
- Latest call report
- Q2 2026, FFIEC 051 · FNBC Bank and Trust call report
- Holding company
- F.N.B.C. OF LA GRANGE, INC.
- Asset rank in state
- 90th of 319 in Illinois
FNBC Bank and Trust leans heavily on commercial real estate. The La Grange, Illinois bank had $582 million in assets at June 30, 2026, up 1.6% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 1.07% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $2.3 million, 165% above the same quarter a year earlier. Over the same year, loans grew 10.6% and deposits grew 1.5%. Its margin is thin by comparison: it keeps 3.43 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, FNBC Bank and Trust reported a CET1 capital ratio of 17.63%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.22%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, FNBC Bank and Trust is the 90th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $581.6M, loans rose 3.0% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.3% of total loans, followed by multifamily loans at 35.6%. Its 3 offices in the FDIC Summary of Deposits are in La Grange, IL, West Chicago, IL and Western Springs, IL; its La Grange office books 71% of its branch deposits. Judged on its Q2 2026 call report, FNBC Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 620 W Burlington Ave, La Grange, IL 60525
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- 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
- August 17, 1908
- Former names
- FNBC Bank & Trust (2014); State Bank of Illinois (2006-2014)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 79
- Domestic deposits
- $525.1M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $584.3M
- Average total loans
- $323.5M
- Average interest-bearing deposits
- $349.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11306
- Fed RSSD
- 608844
- Website
- www.fnbcbt.com →
- Parent Holding Company
- F.N.B.C. OF LA GRANGE, INC. (RSSD 1201532)
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, FNBC Bank and Trust's total assets ran between $555.5M (Q2 2024) and $597.6M (Q4 2025), 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
$581.6M total assets against $572.2M; $527.6M total liabilities against $519.9M.
$324.5M net loans and leases against $293.3M; $525.1M total deposits against $517.1M.
$204.7M securities against $208.6M; $33.2M cash and balances due against $49.0M.
$6.2M total interest income against $5.3M; $1.4M total interest expense against $1.5M.
$4.8M net interest income against $3.8M.
$2.1M total noninterest income against $1.3M; $4.3M total noninterest expense against $4.0M.
$150K provision for credit losses against $0.
$2.3M net income against $849K.
1.54% return on assets against 0.59%; 3.43% net interest margin against 2.77%.
17.63% CET1 capital ratio against 18.62%; 10.02% tier 1 leverage ratio against 9.89%.
Inside the full FNBC Bank and 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.
FNBC Bank and Trust rankings
Its closest position to the top of a national ranking is 515 of 2,134, for CET1 ratio; its furthest is 3,141 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.27% (Q4 2024) to 1.54% (Q2 2026) and its net interest margin ran from 2.58% (Q3 2024) to 3.43% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.63% | 1.54% | 0.04% | 0.22% | 3.43% |
| Q1 2026 | 18.48% | 0.81% | 0.04% | 0.22% | 3.18% |
| Q4 2025 | 18.57% | 1.25% | 0.00% | 0.00% | 3.05% |
| Q3 2025 | 18.61% | 0.79% | 0.00% | 0.00% | 2.86% |
| Q2 2025 | 18.62% | 0.59% | 0.00% | 0.00% | 2.77% |
| Q1 2025 | 18.49% | 0.60% | 0.00% | 0.00% | 2.71% |
| Q4 2024 | 18.57% | 0.27% | 0.03% | 0.19% | 2.63% |
| Q3 2024 | 18.07% | 0.45% | 0.06% | 0.36% | 2.58% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Fnbc Bank & Trust | La Grange , IL | 60525 | $373.8M |
| West Chicago Branch | West Chicago , IL | 60185 | $121.4M |
| Western Springs Branch | Western Springs , IL | 60558 | $29.9M |
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 |
|---|---|---|---|
| January 1, 2015 | Structure Change | Acquired First National Bank of La Grange Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 17, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 17, 2001 | Structure Change | Acquired Foxdale Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 8, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 8, 2000 | Structure Change | Acquired Mokena State Bank 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 103 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 88 applications, 71 loans originated, $44.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 FNBC Bank and Trust
What are FNBC Bank and Trust's total assets?
As of the Q2 2026 filing, FNBC Bank and Trust reported total assets of $581.6 million in its FFIEC call report.
Where is FNBC Bank and Trust headquartered?
It is headquartered in La Grange, IL, United States.
When was FNBC Bank and Trust founded?
It was established in 1908, per the FDIC institution directory.
Is FNBC Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNBC Bank and Trust?
FNBC Bank and Trust's primary federal regulator is the FDIC.
What is FNBC Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FNBC Bank and Trust operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNBC Bank and Trust's Texas Ratio?
Its Texas Ratio is 0.22% 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 FNBC Bank and Trust previously called?
The charter now named FNBC Bank and Trust has also operated as FNBC Bank & Trust (2014), State Bank of Illinois (2006-2014), per FDIC structure-change records.
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