Hickory Point Bank and Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 145.71 percentage points higher than in Q1 2026, at 363.20%. Within Illinois, Hickory Point Bank and Trust is 147th of 323 on return on assets, 1.25% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Hickory Point Bank and Trust reported 1.25% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.15% |
| Tier 1 risk-based capital ratio | 16.15% |
| Total risk-based capital ratio | 17.25% |
| Tier 1 leverage ratio | 11.04% |
| Equity capital to assets | 11.04% |
| Tangible equity to tangible assets | 11.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.77% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 363.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 11.52% |
| Net interest margin | 3.72% |
| Efficiency ratio | 64.80% |
| Yield on earning assets | 4.91% |
| Cost of funds | 1.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.89% |
| Core deposits to total deposits | 94.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.35% |
| Securities to assets | 28.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.08% | 13.08% | 14.11% | 9.43% | 0.51% |
| Q4 2023 | 12.79% | 12.79% | 13.79% | 8.96% | 0.64% |
| Q1 2024 | 12.48% | 12.48% | 13.45% | 9.05% | 0.66% |
| Q2 2024 | 13.12% | 13.12% | 14.17% | 9.17% | 0.76% |
| Q3 2024 | 13.70% | 13.70% | 14.78% | 9.18% | 0.91% |
| Q4 2024 | 13.87% | 13.87% | 14.90% | 9.52% | 0.89% |
| Q1 2025 | 14.28% | 14.28% | 15.32% | 9.82% | 1.04% |
| Q2 2025 | 14.65% | 14.65% | 15.71% | 10.13% | 1.00% |
| Q3 2025 | 15.09% | 15.09% | 16.17% | 10.51% | 1.04% |
| Q4 2025 | 16.18% | 16.18% | 17.32% | 10.79% | 1.35% |
| Q1 2026 | 16.23% | 16.23% | 17.35% | 10.72% | 1.16% |
| Q2 2026 | 16.15% | 16.15% | 17.25% | 11.04% | 1.25% |
Hickory Point Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hickory Point Bank and Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hickory Point Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22874) · FFIEC NIC profile (RSSD 550635)