Hickory Point Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
Hickory Point Bank and Trust is an FDIC-insured commercial bank headquartered in Decatur, IL, established in 1979 (FDIC certificate 22874), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $717.5M, down 2.8% from Q2 2025, the 73rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 16.15% 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
- 22874
- Headquarters
- Decatur, IL
- Established
- 1979
- Total assets, Q2 2026
- $717.5M
- Assets vs Q2 2025
- -2.8%
- CET1 ratio, Q2 2026
- 16.15%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 071124805
- Latest call report
- Q2 2026, FFIEC 051 · Hickory Point Bank and Trust call report
- Holding company
- HPB HOLDINGS, INC.
- Asset rank in state
- 73rd of 319 in Illinois
Hickory Point Bank and Trust, based in Decatur, Illinois, reported $718 million in assets at June 30, 2026, down 2.8% from a year earlier. It shrank its loan book 7.0% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter rose 22% from a year earlier, to $2.3 million. Over the same year, loans shrank 7.0% and deposits shrank 3.7%.
As of June 30, 2026, Hickory Point Bank and Trust reported a CET1 capital ratio of 16.15%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 0.94%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Hickory Point Bank and Trust is the 73rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.7% to $717.5M, loans rose 0.8% and deposits fell 3.7%. Multifamily loans made up 29.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 24.2%. The FDIC Summary of Deposits lists 8 offices for it, in 4 cities in IL; its Decatur 5 offices book 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Hickory Point Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 225 N Water St, Decatur, IL 62523
- County
- Macon
- Metro Area
- Decatur, 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 4, 1979
- Former names
- Hickory Point Bank and Trust, FSB (1998-2015); Eagle Bank of Macon County (1984-1987)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 118
- Domestic deposits
- $626.8M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $724.4M
- Average total loans
- $443.2M
- Average interest-bearing deposits
- $500.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 4, 1979
- FDIC Cert
- 22874
- Fed RSSD
- 550635
- SEC CIK
- 1515155 → filed by FIRST ILLINOIS CORPORATION
- Website
- www.hickorypointbank.com →
- Parent Holding Company
- HPB HOLDINGS, INC. (RSSD 4305459)
- Ultimate Parent
- FIRST ILLINOIS CORPORATION (RSSD 4305477)
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, Hickory Point Bank and Trust's total assets ran between $713.4M (Q4 2025) and $824.0M (Q2 2024), 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
$717.5M total assets against $738.2M; $638.3M total liabilities against $663.4M.
$432.6M net loans and leases against $465.8M; $626.8M total deposits against $651.1M.
$203.4M securities against $176.8M; $36.2M cash and balances due against $50.3M.
$8.4M total interest income against $8.7M; $2.1M total interest expense against $2.5M.
$6.4M net interest income against $6.2M.
$2.1M total noninterest income against $1.9M; $5.5M total noninterest expense against $5.7M.
$0 provision for credit losses against $0.
$2.3M net income against $1.9M.
1.25% return on assets against 1.00%; 3.72% net interest margin against 3.52%.
16.15% CET1 capital ratio against 14.65%; 11.04% tier 1 leverage ratio against 10.13%.
Inside the full Hickory Point 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.
Hickory Point Bank and Trust rankings
Its closest position to the top of a national ranking is 1,348 of 4,196, for total assets; its furthest is 2,711 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.89% (Q4 2024) to 1.35% (Q4 2025) and its net interest margin ran from 3.10% (Q3 2024) to 3.72% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.15% | 1.25% | 0.18% | 0.94% | 3.72% |
| Q1 2026 | 16.23% | 1.16% | 0.41% | 2.13% | 3.50% |
| Q4 2025 | 16.18% | 1.35% | 0.07% | 0.38% | 3.66% |
| Q3 2025 | 15.09% | 1.04% | 0.08% | 0.44% | 3.63% |
| Q2 2025 | 14.65% | 1.00% | 0.08% | 2.20% | 3.52% |
| Q1 2025 | 14.28% | 1.04% | 0.28% | 3.79% | 3.43% |
| Q4 2024 | 13.87% | 0.89% | 0.28% | 3.83% | 3.31% |
| Q3 2024 | 13.70% | 0.91% | 0.71% | 4.29% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Forsyth Branch | Forsyth , IL | 62535 | $201.7M |
| Hickory Point Bank and Trust (main office) | Decatur , IL | 62523 | $150.4M |
| Wabash Avenue Branch | Springfield , IL | 62704 | $81.2M |
| Champaign Park Avenue Branch | Champaign , IL | 61820 | $76.8M |
| Mt Zion Branch | Decatur , IL | 62521 | $67.1M |
| South Shores Branch | Decatur , IL | 62521 | $39.0M |
| Faries Branch | Decatur , IL | 62526 | $7.9M |
| North Point Banking Center Branch | Decatur , IL | 62526 | $2.6M |
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 |
|---|---|---|---|
| September 20, 2014 | Structure Change | Acquired Marshall County 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- August 30, 1999, OCC: Formal Agreement: First Illinois National Bank
- Period: Most recent institution action August 30, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 87 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 306 applications, 238 loans originated, $53.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $900K approved, $900K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Hickory Point Bank and Trust
What are Hickory Point Bank and Trust's total assets?
As of the Q2 2026 filing, Hickory Point Bank and Trust reported total assets of $717.5 million in its FFIEC call report.
Where is Hickory Point Bank and Trust headquartered?
It is headquartered in Decatur, IL, United States.
When was Hickory Point Bank and Trust founded?
It was established in 1979, per the FDIC institution directory.
Is Hickory Point Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hickory Point Bank and Trust?
Hickory Point Bank and Trust's primary federal regulator is the FDIC.
What is Hickory Point Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hickory Point Bank and Trust operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hickory Point Bank and Trust's Texas Ratio?
Its Texas Ratio is 0.94% 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 Hickory Point Bank and Trust previously called?
The charter now named Hickory Point Bank and Trust has also operated as Hickory Point Bank and Trust, FSB (1998-2015), Eagle Bank of Macon County (1984-1987), per FDIC structure-change records.
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