Trustbank
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Data as of · sourced from FFIEC call reports. How we update
Trustbank is an FDIC-insured commercial bank headquartered in Olney, IL, established in 1912 (FDIC certificate 14662), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $640.2M, up 7.6% from Q2 2025, the 85th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.81% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14662
- Headquarters
- Olney, IL
- Established
- 1912
- Total assets, Q2 2026
- $640.2M
- Assets vs Q2 2025
- +7.6%
- Tier 1 leverage ratio, Q2 2026
- 9.81%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 081204142
- Latest call report
- Q2 2026, FFIEC 051 · Trustbank call report
- Holding company
- RICH LAND BANCORP, INC.
- Asset rank in state
- 85th of 319 in Illinois
Trustbank is one of the more profitable banks of its size. The Olney, Illinois bank had $640 million in assets at June 30, 2026, up 7.6% from a year earlier. It returns 20.6% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it carries problem assets equal to 13.0% of the capital and reserves that would absorb them, 4.9 times the median of 2.6% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.69% of loans from 1.74%. Earnings jumped: net income for the quarter was $3.2 million, 32% above the same quarter a year earlier.
As of June 30, 2026, Trustbank reported a return on assets of 2.04%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 12.96%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Trustbank is the 85th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $640.2M, loans rose 6.2% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.8% of total loans, followed by farmland and other real estate loans at 19.8%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities across 2 states; its Olney 2 offices book 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, Trustbank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 600 E Main St, Olney, IL 62450
- County
- Richland
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 13, 1912
- Former names
- Olney Trust Bank (1983-1999)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 107
- Domestic deposits
- $557.6M
- Allowance for credit losses
- $6.2M
- Net charge-offs (YTD)
- $709K
- Average total assets
- $636.8M
- Average total loans
- $531.7M
- Average interest-bearing deposits
- $449.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 7, 1934
- FDIC Cert
- 14662
- Fed RSSD
- 338646
- SEC CIK
- 2107431 → filed by RICH LAND BANCORP, INC.
- Website
- https://trustbank.net →
- Parent Holding Company
- RICH LAND BANCORP, INC. (RSSD 1098161)
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, Trustbank 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, Trustbank's total assets ranged from $526.4M (Q3 2023) to $640.2M (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
$640.2M total assets against $594.8M; $575.9M total liabilities against $536.3M.
$540.8M net loans and leases against $505.2M; $557.6M total deposits against $507.0M.
$55.3M securities against $48.6M; $15.9M cash and balances due against $17.4M.
$9.5M total interest income against $8.8M; $3.0M total interest expense against $3.0M.
$6.6M net interest income against $5.7M.
$2.6M total noninterest income against $2.0M; $5.4M total noninterest expense against $4.9M.
$519K provision for credit losses against $407K.
$3.2M net income against $2.5M.
2.04% return on assets against 1.64%; 4.27% net interest margin against 3.95%.
9.81% tier 1 leverage ratio against 9.45%.
Inside the full Trustbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTrustbank rankings
Its closest position to the top of a national ranking is 416 of 3,640, for Texas Ratio; its furthest is 1,677 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q4 2024) to 2.04% (Q2 2026) and its net interest margin ran from 3.64% (Q3 2024) to 4.27% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.81% | 2.04% | 0.73% | 12.96% | 4.27% |
| Q1 2026 | 9.53% | 1.85% | 2.03% | 16.25% | 3.95% |
| Q4 2025 | 9.38% | 1.00% | 1.48% | 12.77% | 4.03% |
| Q3 2025 | 9.63% | 1.88% | 1.66% | 13.12% | 3.99% |
| Q2 2025 | 9.45% | 1.64% | 1.74% | 14.39% | 3.95% |
| Q1 2025 | 9.28% | 1.84% | 0.44% | 3.62% | 3.74% |
| Q4 2024 | 9.23% | 0.79% | 0.50% | 4.31% | 3.66% |
| Q3 2024 | 9.44% | 1.40% | 0.60% | 4.83% | 3.64% |
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 |
|---|---|---|---|
| Trustbank (main office) | Olney , IL | 62450 | $250.3M |
| Tuscola Branch | Tuscola , IL | 61953 | $87.7M |
| Scottsdale Branch | Scottsdale , AZ | 85254 | $51.1M |
| 212 S West Street Branch | Wheaton , IL | 60187 | $48.3M |
| Olney Branch | Olney , IL | 62450 | $40.6M |
| Phoenix Az Branch | Phoenix , AZ | 85016 | $32.0M |
| Cisne Branch | Cisne , IL | 62823 | $25.9M |
| Chandler Branch | Chandler , AZ | 85248 | $21.6M |
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 |
|---|---|---|---|
| March 14, 2022 | M&A | Acquired TNB Bank merger for the acquired bank | SEC |
| March 14, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 14, 2022 | Structure Change | Acquired TNB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 2000 | M&A | Acquired Cisne State Bank merger for the acquired bank | SEC |
| August 18, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 18, 2000 | Structure Change | Acquired Cisne 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 114 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 119 applications, 100 loans originated, $23.2M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Trustbank
What are Trustbank's total assets?
As of the Q2 2026 filing, Trustbank reported total assets of $640.2 million in its FFIEC call report.
Where is Trustbank headquartered?
It is headquartered in Olney, IL, United States.
When was Trustbank founded?
It was established in 1912, per the FDIC institution directory.
Is Trustbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14662). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Trustbank?
Trustbank's primary federal regulator is the FDIC.
How many branches does Trustbank 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 Trustbank's Texas Ratio?
Its Texas Ratio is 12.96% 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 Trustbank previously called?
The charter now named Trustbank has also operated as Olney Trust Bank (1983-1999), per FDIC structure-change records.
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