Asset Quality ranking · Illinois · Call report data as of September 30, 2026
Illinois Banks: Highest CRE Delinquency
Jersey State Bank has the highest commercial real estate noncurrent rate of the 183 ranked banks headquartered in Illinois, at 14.48% as of September 30, 2026. The median among the 183 ranked Illinois banks is 0.30%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 1.56%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Illinois banks by commercial real estate noncurrent rate. For the largest banks headquartered in Illinois, see largest banks in Illinois.
- No. 1 in Illinois
- Jersey State Bank
- Its CRE noncurrent
- 14.48%
- Illinois median
- 0.30%
- Banks ranked
- 183
Ranked among banks headquartered in Illinois, numbered 1 to 100 within the state from the same population as the national list. Browse every bank in the Illinois bank directory.
Top 100 Illinois banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Illinois median of 0.30%. Missing values show as a dash and sort last.
| 1 | Jersey State Bank Jerseyville, IL | 14.48% | $199.4M $100M to $1B |
| 2 | Burling Bank Chicago, IL | 13.78% | $209.2M $100M to $1B |
| 3 | Peoples National Bank of Kewanee Kewanee, IL | 10.50% | $591.3M $100M to $1B |
| 4 | First Secure Bank and Trust Co. Palos Hills, IL | 9.84% | $353.5M $100M to $1B |
| 5 | Midamerica National Bank Canton, IL | 8.35% | $680.3M $100M to $1B |
| 6 | State Bank of Graymont Graymont, IL | 6.42% | $312.4M $100M to $1B |
| 7 | First Southern Bank Marion, IL | 6.40% | $1.02B $1B to $10B |
| 8 | First State Bank of Forrest Forrest, IL | 5.91% | $322.6M $100M to $1B |
| 9 | Southern Illinois Bank Johnston City, IL | 5.72% | $134.6M $100M to $1B |
| 10 | Forest Park National Bank and Trust Company Forest Park, IL | 5.64% | $317.3M $100M to $1B |
| 11 | The Fairfield National Bank Fairfield, IL | 5.62% | $611.7M $100M to $1B |
| 12 | Millennium Bank Des Plaines, IL | 4.71% | $798.3M $100M to $1B |
| 13 | Sterling Federal Bank, Federal Savings Bank Sterling, IL | 4.49% | $493.8M $100M to $1B |
| 14 | First Secure Community Bank Sugar Grove, IL | 3.94% | $525.6M $100M to $1B |
| 15 | Peoples Bank & Trust Pana, IL | 3.87% | $662.5M $100M to $1B |
| 16 | Fortress Bank Peoria, IL | 3.74% | $867.0M $100M to $1B |
| 17 | Parkway Bank and Trust Company Harwood Heights, IL | 3.73% | $3.57B $1B to $10B |
| 18 | Dieterich Bank Effingham, IL | 3.44% | $1.59B $1B to $10B |
| 19 | Byron Bank Byron, IL | 3.43% | $374.8M $100M to $1B |
| 20 | Time Bank Park Ridge, IL | 3.26% | $703.4M $100M to $1B |
| 21 | Foresight Bank Winnebago, IL | 3.08% | $1.70B $1B to $10B |
| 22 | First Robinson Savings Bank, N.A. Robinson, IL | 3.04% | $523.1M $100M to $1B |
| 23 | First Bankers Trust Company, N.A. Quincy, IL | 2.86% | $1.35B $1B to $10B |
| 24 | The Bradford National Bank of Greenville Greenville, IL | 2.67% | $722.9M $100M to $1B |
| 25 | Albany Bank & Trust Co., N.A. Chicago, IL | 2.66% | $741.5M $100M to $1B |
| 26 | The Farmers State Bank and Trust Company Jacksonville, IL | 2.56% | $208.7M $100M to $1B |
| 27 | Prairie Community Bank Marengo, IL | 2.56% | $187.6M $100M to $1B |
| 28 | INB, N.A. Springfield, IL | 2.47% | $2.72B $1B to $10B |
| 29 | Central Bank Illinois Geneseo, IL | 2.45% | $1.45B $1B to $10B |
| 30 | FCB Banks Collinsville, IL | 2.41% | $2.65B $1B to $10B |
| 31 | Bankorion Orion, IL | 2.34% | $706.3M $100M to $1B |
| 32 | The Clay City Banking Co. Clay City, IL | 2.26% | $251.2M $100M to $1B |
| 33 | Goodfield State Bank Goodfield, IL | 2.17% | $292.4M $100M to $1B |
| 34 | Citizens Community Bank Mascoutah, IL | 2.14% | $523.2M $100M to $1B |
| 35 | First Bank Chicago Highland Park, IL | 2.02% | $2.30B $1B to $10B |
| 36 | First Federal Savings Bank Ottawa, IL | 1.94% | $407.8M $100M to $1B |
| 37 | Peoples National Bank, N.A. Mount Vernon, IL | 1.91% | $2.16B $1B to $10B |
| 38 | The FNB Community Bank Vandalia, IL | 1.89% | $493.8M $100M to $1B |
| 39 | American Community Bank & Trust Woodstock, IL | 1.86% | $1.17B $1B to $10B |
| 40 | First Neighbor Bank, N.A. Toledo, IL | 1.84% | $709.2M $100M to $1B |
| 41 | The Peoples State Bank of Newton, Illinois Newton, IL | 1.81% | $734.4M $100M to $1B |
| 42 | Republic Bank of Chicago Oak Brook, IL | 1.74% | $2.59B $1B to $10B |
| 43 | Midland States Bank Effingham, IL | 1.70% | $6.81B $1B to $10B |
| 44 | Community First Bank of the Heartland Mount Vernon, IL | 1.65% | $264.6M $100M to $1B |
| 45 | The Farmers and Merchants National Bank of Nashville Nashville, IL | 1.60% | $264.2M $100M to $1B |
| 46 | Casey State Bank Casey, IL | 1.58% | $492.3M $100M to $1B |
| 47 | Alliance Community Bank Petersburg, IL | 1.54% | $431.7M $100M to $1B |
| 48 | Solutions Bank Forreston, IL | 1.52% | $481.9M $100M to $1B |
| 49 | St. Charles Bank & Trust Company, N.A. Saint Charles, IL | 1.43% | $3.93B $1B to $10B |
| 50 | Cibm Bank Champaign, IL | 1.30% | $804.4M $100M to $1B |
| 51 | BMO Bank N.A. Chicago, IL | 1.19% | $253.08B $100B and over |
| 52 | Legence Bank Eldorado, IL | 1.13% | $631.0M $100M to $1B |
| 53 | Byline Bank Chicago, IL | 1.13% | $9.87B $1B to $10B |
| 54 | First State Bank Mendota, IL | 1.13% | $1.58B $1B to $10B |
| 55 | Apple River State Bank Apple River, IL | 1.08% | $654.6M $100M to $1B |
| 56 | Old Second National Bank Aurora, IL | 1.05% | $6.78B $1B to $10B |
| 57 | Southerntrust Bank Marion, IL | 1.03% | $291.8M $100M to $1B |
| 58 | Longview Bank Ogden, IL | 1.01% | $736.6M $100M to $1B |
| 59 | Trustbank Olney, IL | 0.94% | $669.9M $100M to $1B |
| 60 | Murphy-Wall State Bank and Trust Company Pinckneyville, IL | 0.94% | $211.3M $100M to $1B |
| 61 | Longview Community Bank Mount Pulaski, IL | 0.92% | $343.3M $100M to $1B |
| 62 | Prairie State Bank & Trust Springfield, IL | 0.92% | $827.4M $100M to $1B |
| 63 | Central Savings, F.S.B. Chicago, IL | 0.91% | $119.1M $100M to $1B |
| 64 | Bank of Springfield Springfield, IL | 0.89% | $2.05B $1B to $10B |
| 65 | Farmers State Bank of Alto Pass, Ill. Alto Pass, IL | 0.84% | $341.6M $100M to $1B |
| 66 | Smartbiz Bank, N.A. Northbrook, IL | 0.80% | $200.2M $100M to $1B |
| 67 | First American Bank Elk Grove Village, IL | 0.80% | $8.79B $1B to $10B |
| 68 | Community Partners Savings Bank Salem, IL | 0.72% | $284.7M $100M to $1B |
| 69 | Eureka Savings Bank La Salle, IL | 0.70% | $426.0M $100M to $1B |
| 70 | Bank of Farmington Farmington, IL | 0.67% | $248.3M $100M to $1B |
| 71 | Resource Bank, N.A. Dekalb, IL | 0.62% | $867.4M $100M to $1B |
| 72 | First Secure State Bank Wonder Lake, IL | 0.62% | $286.0M $100M to $1B |
| 73 | Morton Community Bank Morton, IL | 0.59% | $5.30B $1B to $10B |
| 74 | The Fisher National Bank Fisher, IL | 0.57% | $396.8M $100M to $1B |
| 75 | CIBC Bank USA Chicago, IL | 0.57% | $68.25B $10B to $100B |
| 76 | Amalgamated Bank of Chicago Chicago, IL | 0.57% | $1.46B $1B to $10B |
| 77 | Prospect Bank Paris, IL | 0.56% | $778.8M $100M to $1B |
| 78 | First National Bank of Waterloo Waterloo, IL | 0.56% | $946.7M $100M to $1B |
| 79 | State Bank Waterloo, IL | 0.54% | $294.3M $100M to $1B |
| 80 | The City National Bank of Metropolis Metropolis, IL | 0.51% | $451.1M $100M to $1B |
| 81 | Lakeside Bank Chicago, IL | 0.50% | $2.89B $1B to $10B |
| 82 | First State Bank and Trust Monticello, IL | 0.49% | $514.8M $100M to $1B |
| 83 | First Mid Bank & Trust, N.A. Mattoon, IL | 0.48% | $9.33B $1B to $10B |
| 84 | Citizens National Bank of Albion Albion, IL | 0.44% | $347.5M $100M to $1B |
| 85 | Servbank, N.A. Oswego, IL | 0.43% | $1.84B $1B to $10B |
| 86 | Midwest Bank Monmouth, IL | 0.42% | $723.6M $100M to $1B |
| 87 | American Commercial Bank & Trust, N.A. Ottawa, IL | 0.40% | $2.11B $1B to $10B |
| 88 | Hoyne Savings Bank Chicago, IL | 0.39% | $478.1M $100M to $1B |
| 89 | The Bank of Herrin Herrin, IL | 0.38% | $351.0M $100M to $1B |
| 90 | Belmont Bank & Trust Company Chicago, IL | 0.36% | $1.07B $1B to $10B |
| 91 | Sauk Valley Bank & Trust Company Sterling, IL | 0.34% | $784.2M $100M to $1B |
| 92 | Buena Vista National Bank Chester, IL | 0.30% | $347.4M $100M to $1B |
| 93 | Hometown National Bank La Salle, IL | 0.30% | $313.1M $100M to $1B |
| 94 | Busey Bank Champaign, IL | 0.30% | $18.51B $10B to $100B |
| 95 | Blackhawk Bank & Trust Milan, IL | 0.25% | $1.99B $1B to $10B |
| 96 | Petefish, Skiles & Company Virginia, IL | 0.24% | $505.4M $100M to $1B |
| 97 | Pan American Bank & Trust Melrose Park, IL | 0.24% | $554.8M $100M to $1B |
| 98 | The First National Bank of Carmi Carmi, IL | 0.23% | $639.2M $100M to $1B |
| 99 | Old Plank Trail Community Bank, N.A. New Lenox, IL | 0.22% | $3.54B $1B to $10B |
| 100 | The Northern Trust Company Chicago, IL | 0.21% | $165.99B $100B and over |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 183 banks headquartered in Illinois that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Illinois has the highest commercial real estate noncurrent rate?
Jersey State Bank has the highest commercial real estate noncurrent rate of the 183 ranked banks headquartered in Illinois, at 14.48% as of September 30, 2026, according to its FFIEC call report. Burling Bank ranks second at 13.78%. The median is 0.30%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Illinois rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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