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Financial strength ranking · Illinois · Call Report data as of Q2 2026

Best Banks in Illinois by Financial Strength

Municipal Trust and Savings Bank ranks first among the 262 banks headquartered in Illinois we score, with a financial strength score of 90.5 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first
Municipal Trust and Savings Bank
Its score
90.5 of 100
Banks scored in Illinois
262
Its return on assets
2.80%

The 100 highest scoring banks in Illinois

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Illinois ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
1 Municipal Trust and Savings Bank Bourbonnais 90.5 2.80% 36.29% 15.56% 0.03% $382.2M
2 First Eagle Bank Chicago 89.9 2.45% 38.72% 21.29% 0.07% $649.6M
3 Teutopolis State Bank Teutopolis 89.4 1.92% 36.26% 14.72% 0.00% $358.5M
4 Vermilion Valley Bank Piper City 87.5 2.06% 34.80% 16.70% 0.07% $198.2M
5 The First Trust and Savings Bank of Watseka Watseka 87.1 1.86% 40.50% 16.10% 0.01% $337.1M
6 First National Bank of Brookfield Brookfield 86.9 2.05% 41.72% 13.04% 0.00% $419.6M
7 Anderson State Bank Oneida 83.3 1.54% 48.94% 17.31% 0.00% $108.9M
8 Grundy Bank Morris 81.5 3.01% 46.60% 12.62% 0.10% $504.7M
9 Germantown Trust & Savings Bank Breese 80.8 2.24% 32.98% 11.58% 0.07% $523.6M
10 Nashville Savings Bank Nashville 80.3 1.47% 42.14% 12.89% 0.00% $107.9M
11 Crossroads Bank Effingham 77.8 1.29% 43.63% 15.97% 0.04% $234.7M
12 Rushville State Bank Rushville 77.7 1.71% 50.03% 14.32% 0.08% $134.8M
13 First State Bank of Beecher City Beecher City 77.5 2.89% 43.11% 15.98% 0.61% $112.2M
14 Farmers State Bank Pittsfield 77.1 2.12% 48.51% 15.02% 0.31% $339.8M
15 First National Bank of Steeleville Steeleville 76.9 2.00% 49.65% 13.55% 0.18% $274.5M
16 The Frederick Community Bank Paxton 76.5 2.22% 48.87% 10.44% 0.00% $196.1M
17 Liberty Bank Liberty 75.1 1.71% 47.26% 12.21% 0.08% $193.9M
18 Town and Country Bank Midwest Quincy 74.7 3.07% 39.02% 14.89% 0.93% $279.3M
19 Farmers National Bank Prophetstown 73.7 1.23% 41.68% 15.03% 0.13% $895.7M
20 Lakeside Bank Chicago 73.5 1.97% 51.17% 10.99% 0.03% $2.85B
21 First National Bank in Taylorville Taylorville 73.4 1.15% 52.08% 14.41% 0.00% $200.1M
22 Streator Home Savings Bank Streator 73.3 1.55% 48.97% 21.99% 0.35% $137.0M
23 Citizens National Bank of Albion Albion 72.3 1.54% 48.60% 17.35% 0.35% $348.5M
24 Heartland Bank and Trust Company Bloomington 72.0 1.68% 47.86% 11.94% 0.15% $6.72B
25 CIBC Bank USA Chicago 70.5 1.84% 37.01% 14.34% 0.88% $66.50B
26 The First National Bank of Sparta Sparta 70.5 2.27% 56.92% 12.64% 0.24% $114.6M
27 Exchange State Bank Lanark 70.4 1.65% 53.58% 11.47% 0.03% $112.7M
28 Providence Bank & Trust South Holland 70.1 1.65% 50.44% 11.50% 0.11% $1.56B
29 Wintrust Bank, N.A. Chicago 68.9 1.96% 45.39% 11.41% 0.38% $9.57B
30 Bankchampaign, N.A. Champaign 68.8 2.29% 56.17% 11.84% 0.26% $242.8M
31 Bank of O'Fallon O'Fallon 68.3 1.75% 46.12% 13.82% 0.71% $377.5M
32 Blackhawk Bank & Trust Milan 68.2 1.74% 42.20% 10.54% 0.20% $2.04B
33 First Nations Bank Chicago 68.2 1.16% 51.54% 14.11% 0.10% $536.6M
34 First Bank of Manhattan Manhattan 68.1 1.81% 55.80% 10.16% 0.00% $265.9M
35 Union National Bank Elgin 68.0 1.42% 43.20% 9.85% 0.00% $421.8M
36 Central State Bank Clayton 67.9 2.44% 49.94% 17.92% 2.15% $175.1M
37 Bank of Kampsville Kampsville 67.9 1.12% 57.34% 17.41% 0.04% $134.1M
38 Lake Forest Bank & Trust Company, N.A. Lake Forest 67.8 2.30% 41.27% 9.93% 0.26% $9.25B
39 Grand Ridge National Bank Wheaton 67.7 1.84% 51.71% 13.77% 0.58% $443.3M
40 The Peoples State Bank of Newton, Illinois Newton 67.6 1.44% 47.50% 13.52% 0.37% $736.7M
41 Lisle Savings Bank Lisle 67.5 1.30% 48.67% 26.10% 0.52% $544.5M
42 First Federal Savings Bank of Champaign-Urbana Champaign 67.4 1.79% 63.71% 12.71% 0.06% $192.5M
43 North Central Bank Hennepin 66.7 1.63% 57.25% 12.26% 0.13% $165.9M
44 Byline Bank Chicago 66.1 1.71% 45.64% 12.88% 0.74% $9.91B
45 Schaumburg Bank & Trust Company, N.A. Schaumburg 65.7 1.67% 34.94% 9.36% 0.08% $2.56B
46 Great Rivers Bank Barry 65.5 1.82% 58.99% 11.20% 0.09% $194.6M
47 International Bank of Chicago Chicago 65.3 1.93% 52.84% 12.54% 0.59% $982.7M
48 Brickyard Bank Lincolnwood 64.9 1.25% 60.91% 15.64% 0.09% $159.0M
49 Time Bank Park Ridge 64.6 2.17% 43.30% 11.91% 1.28% $712.8M
50 Heritage Bank of Schaumburg Schaumburg 64.5 1.45% 59.14% 10.86% 0.00% $150.0M
51 First State Bank of Campbell Hill Campbell Hill 64.1 1.71% 47.20% 13.82% 1.16% $160.1M
52 State Street Bank and Trust Company Quincy 63.5 2.62% 51.60% 9.99% 0.31% $357.1M
53 1st Equity Bank Skokie 63.5 1.17% 70.44% 16.46% 0.00% $130.0M
54 Belmont Bank & Trust Company Chicago 63.4 1.39% 50.61% 11.87% 0.30% $1.05B
55 Prairie State Bank & Trust Springfield 62.9 1.74% 58.21% 12.39% 0.35% $840.1M
56 Peoples Bank & Trust Pana 62.6 2.42% 42.13% 10.73% 1.02% $656.6M
57 Village Bank & Trust, N.A. Arlington Heights 62.5 1.88% 30.17% 9.53% 0.36% $3.63B
58 First National Bank of Lacon Lacon 62.5 1.54% 61.42% 11.78% 0.09% $103.7M
59 Busey Bank Champaign 62.1 1.47% 53.61% 12.38% 0.37% $18.15B
60 1NB Bank Carlyle 62.1 1.23% 47.87% 10.29% 0.05% $319.0M
61 The First National Bank of Litchfield Litchfield 62.1 1.45% 58.68% 11.50% 0.09% $150.4M
62 Old Second National Bank Aurora 62.0 1.76% 49.24% 12.05% 0.83% $6.86B
63 Crystal Lake Bank & Trust Company, N.A. Crystal Lake 61.8 1.60% 33.15% 9.65% 0.26% $2.26B
64 The Havana National Bank Havana 61.6 1.95% 45.02% 12.17% 1.88% $332.8M
65 Northbrook Bank & Trust Company, N.A. Northbrook 61.3 1.62% 29.05% 9.38% 0.25% $6.37B
66 Shelby County State Bank Shelbyville 61.2 1.78% 51.16% 10.44% 0.35% $363.2M
67 Hinsdale Bank & Trust Company, N.A. Hinsdale 60.7 1.50% 36.78% 9.20% 0.15% $6.80B
68 State Bank of Toulon Toulon 60.5 1.42% 54.64% 10.46% 0.09% $343.4M
69 Goodfield State Bank Goodfield 60.5 2.90% 37.50% 10.58% 2.03% $285.5M
70 Community Bank Winslow 60.3 1.35% 51.13% 16.02% 1.04% $310.8M
71 Home State BANK/N.A. Crystal Lake 60.0 1.53% 67.25% 11.79% 0.05% $776.0M
72 Peoplefirst Bank Joliet 60.0 1.31% 62.49% 12.35% 0.09% $265.6M
73 Illini State Bank Tonica 60.0 1.41% 48.89% 14.42% 1.17% $171.9M
74 Burling Bank Chicago 59.5 2.08% 54.37% 13.65% 3.10% $214.2M
75 American Metro Bank Chicago 59.4 1.17% 71.13% 13.10% 0.00% $119.1M
76 Apple River State Bank Apple River 59.2 1.61% 52.89% 9.74% 0.14% $675.2M
77 The FNB Community Bank Vandalia 59.2 1.44% 55.49% 12.57% 0.49% $498.9M
78 Wheaton Bank & Trust Company, N.A. Wheaton 58.9 1.71% 31.43% 9.10% 0.35% $4.79B
79 Cornerstone National Bank & Trust Company Palatine 58.4 1.28% 57.23% 10.36% 0.02% $1.01B
80 State Bank of the Lakes, N.A. Antioch 58.2 1.35% 36.28% 9.05% 0.14% $2.81B
81 Servbank, N.A. Oswego 58.1 2.28% 66.82% 11.81% 0.42% $1.70B
82 Libertyville Bank & Trust Company, N.A. Libertyville 58.0 1.55% 32.95% 9.19% 0.31% $3.34B
83 Warren-Boynton State Bank New Berlin 57.8 1.48% 60.97% 12.08% 0.30% $234.5M
84 United Community Bank Chatham 57.3 1.39% 49.95% 10.17% 0.26% $4.13B
85 Morton Community Bank Morton 57.1 1.53% 48.41% 10.62% 0.55% $5.35B
86 Bank of Rantoul Rantoul 57.1 1.10% 60.89% 10.75% 0.00% $285.8M
87 First Community Bank and Trust Beecher 57.1 1.47% 56.07% 13.47% 0.86% $201.7M
88 The First National Bank of Arenzville Arenzville 57.1 1.88% 58.56% 8.83% 0.04% $158.7M
89 Community First Bank of the Heartland Mount Vernon 56.8 2.22% 54.31% 10.14% 0.62% $266.8M
90 FNBC Bank and Trust La Grange 56.7 1.54% 62.62% 10.02% 0.02% $581.6M
91 St. Charles Bank & Trust Company, N.A. Saint Charles 55.9 1.53% 36.80% 9.64% 0.53% $3.69B
92 Peru Federal Savings Bank Peru 55.8 0.84% 63.70% 16.43% 0.15% $208.5M
93 Casey State Bank Casey 55.7 1.59% 51.24% 10.99% 0.80% $496.7M
94 Hometown National Bank La Salle 55.7 1.19% 61.33% 11.30% 0.09% $307.2M
95 Spring Valley City Bank Spring Valley 55.5 0.94% 63.72% 13.86% 0.11% $207.0M
96 First National Bank of Pana Pana 55.1 1.37% 63.49% 10.55% 0.05% $394.8M
97 Clay County State Bank Louisville 54.9 1.61% 55.73% 13.18% 1.77% $104.3M
98 Petefish, Skiles & Company Virginia 54.8 1.78% 59.30% 9.12% 0.10% $501.6M
99 Parkway Bank and Trust Company Harwood Heights 54.6 1.26% 44.44% 11.50% 0.97% $3.66B
100 Bank of Pontiac Pontiac 54.5 1.13% 50.67% 10.35% 0.22% $1.18B

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Illinois?

By our financial strength score, Municipal Trust and Savings Bank of Bourbonnais ranks first among the 262 scored banks headquartered in Illinois, scoring 90.5 out of 100 for Q2 2026: return on assets of 2.80%, an efficiency ratio of 36.29%, a Tier 1 leverage ratio of 15.56% and nonperforming assets of 0.03% of total assets. First Eagle Bank and Teutopolis State Bank rank second and third.

How are the best banks in Illinois ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

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More in Illinois

Largest banks in Illinois Bank deposits in Illinois Largest credit unions in Illinois Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.