Liquidity & Balance Sheet · Illinois
US Banks with Highest Loan-to-Deposit Ratio in Illinois
Ranked among banks headquartered in Illinois. Re-ranked 1-100 within the state from the same national ranking population.
#1 Loan-to-Deposit Ratio:FEDERAL SAVINGS BANK, THE — 126.42% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
| # | Bank | HQ | US Banks with … | Total Assets |
|---|---|---|---|---|
| 1 | FEDERAL SAVINGS BANK, THE | CHICAGO , IL | 126.42% | $1.1B |
| 2 | UNITED TRUST BANK | PALOS HEIGHTS , IL | 118.74% | $172M |
| 3 | AMERICAN EAGLE BANK | SOUTH ELGIN , IL | 116.86% | $491M |
| 4 | FIRST NATIONAL BANK OF BROOKFIELD | BROOKFIELD , IL | 113.78% | $428M |
| 5 | CENTRAL SAVINGS, F.S.B. | CHICAGO , IL | 110.42% | $119M |
| 6 | SOUTHERNTRUST BANK | MARION , IL | 107.89% | $283M |
| 7 | 1ST EQUITY BANK | SKOKIE , IL | 107.78% | $126M |
| 8 | PARKWAY BANK AND TRUST COMPANY | HARWOOD HEIGHTS , IL | 107.09% | $3.7B |
| 9 | AMERICAN METRO BANK | CHICAGO , IL | 106.51% | $118M |
| 10 | COMMUNITY BANK | WINSLOW , IL | 105.54% | $304M |
| 11 | OSB COMMUNITY BANK | OTTAWA , IL | 104.60% | $361M |
| 12 | COLLINSVILLE BUILDING AND LOAN ASSOCIATION | COLLINSVILLE , IL | 102.41% | $116M |
| 13 | FORTRESS BANK | PEORIA , IL | 102.07% | $853M |
| 14 | TOWN CENTER BANK | FRANKFORT , IL | 101.59% | $175M |
| 15 | BARRINGTON BANK & TRUST COMPANY, NATIONAL ASSOCIATION | BARRINGTON , IL | 100.86% | $4.9B |
| 16 | FIRST STATE BANK | MENDOTA , IL | 100.14% | $1.6B |
| 17 | IUKA STATE BANK, THE | SALEM , IL | 100.06% | $136M |
| 18 | FIRST EAGLE BANK | CHICAGO , IL | 100.02% | $624M |
| 19 | FIRST STATE BANK OF FORREST | FORREST , IL | 99.77% | $329M |
| 20 | MILLENNIUM BANK | DES PLAINES , IL | 99.65% | $835M |
| 21 | CIBM BANK | CHAMPAIGN , IL | 99.55% | $824M |
| 22 | WINTRUST BANK, NATIONAL ASSOCIATION | CHICAGO , IL | 99.33% | $9.3B |
| 23 | Evergreen Bank Group | Oak Brook , IL | 99.19% | $1.4B |
| 24 | BRICKYARD BANK | LINCOLNWOOD , IL | 98.81% | $166M |
| 25 | PEOPLES NATIONAL BANK, NATIONAL ASSOCIATION | MOUNT VERNON , IL | 98.63% | $2.0B |
| 26 | BANKCHAMPAIGN, NATIONAL ASSOCIATION | CHAMPAIGN , IL | 97.71% | $257M |
| 27 | BANK OF SPRINGFIELD | SPRINGFIELD , IL | 97.47% | $1.9B |
| 28 | LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION | LAKE FOREST , IL | 97.41% | $9.0B |
| 29 | State Bank | Freeport , IL | 95.57% | $386M |
| 30 | BYLINE BANK | CHICAGO , IL | 95.54% | $9.9B |
| 31 | HOLCOMB BANK | ROCHELLE , IL | 95.53% | $314M |
| 32 | FIRST SECURITY BANK | MACKINAW , IL | 94.97% | $149M |
| 33 | VILLAGE BANK & TRUST, NATIONAL ASSOCIATION | ARLINGTON HEIGHTS , IL | 94.95% | $3.5B |
| 34 | FIRST NATIONS BANK | CHICAGO , IL | 94.77% | $544M |
| 35 | AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION | OTTAWA , IL | 94.57% | $2.0B |
| 36 | UNION FEDERAL SAVINGS AND LOAN ASSOCIATION | KEWANEE , IL | 93.72% | $146M |
| 37 | UNION NATIONAL BANK | ELGIN , IL | 93.37% | $409M |
| 38 | LAKESIDE BANK | CHICAGO , IL | 93.28% | $2.9B |
| 39 | FARMERS STATE BANK OF ALTO PASS, ILL. | ALTO PASS , IL | 93.22% | $357M |
| 40 | Farmers National Bank of Griggsville | Griggsville , IL | 93.00% | $155M |
| 41 | HAVANA NATIONAL BANK, THE | HAVANA , IL | 92.98% | $341M |
| 42 | OLD SECOND NATIONAL BANK | AURORA , IL | 92.66% | $6.8B |
| 43 | TRUSTBANK | OLNEY , IL | 92.52% | $636M |
| 44 | SERVBANK, NATIONAL ASSOCIATION | OSWEGO , IL | 92.36% | $1.7B |
| 45 | PEOPLEFIRST BANK | JOLIET , IL | 91.78% | $244M |
| 46 | BEVERLY BANK & TRUST COMPANY, NATIONAL ASSOCIATION | CHICAGO , IL | 91.45% | $2.7B |
| 47 | Iroquois Federal Savings and Loan Association | Watseka , IL | 91.44% | $830M |
| 48 | PAN AMERICAN BANK & TRUST | MELROSE PARK , IL | 91.43% | $539M |
| 49 | FCB BANKS | COLLINSVILLE , IL | 91.37% | $2.6B |
| 50 | FIRST SECURE BANK AND TRUST CO. | PALOS HILLS , IL | 91.30% | $395M |
| 51 | NATIONAL BANK OF ST. ANNE | SAINT ANNE , IL | 90.97% | $144M |
| 52 | SMARTBIZ BANK, N.A. | NORTHBROOK , IL | 90.80% | $205M |
| 53 | BUSEY BANK | CHAMPAIGN , IL | 90.79% | $18.0B |
| 54 | GRAND RIDGE NATIONAL BANK | WHEATON , IL | 90.72% | $427M |
| 55 | ST. CHARLES BANK & TRUST COMPANY, NATIONAL ASSOCIATION | SAINT CHARLES , IL | 90.62% | $3.5B |
| 56 | LIBERTYVILLE BANK & TRUST COMPANY, NATIONAL ASSOCIATION | LIBERTYVILLE , IL | 90.61% | $3.2B |
| 57 | GREAT RIVERS BANK | BARRY , IL | 90.46% | $196M |
| 58 | FIRST SECURE COMMUNITY BANK | SUGAR GROVE , IL | 90.42% | $528M |
| 59 | ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION | CHICAGO , IL | 90.39% | $729M |
| 60 | CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION | CRYSTAL LAKE , IL | 90.37% | $2.1B |
| 61 | FIRST MID BANK & TRUST, NATIONAL ASSOCIATION | MATTOON , IL | 90.14% | $8.2B |
| 62 | STATE STREET BANK AND TRUST COMPANY | QUINCY , IL | 89.93% | $352M |
| 63 | FIRST FEDERAL SAVINGS BANK | OTTAWA , IL | 89.54% | $426M |
| 64 | HINSDALE BANK & TRUST COMPANY, NATIONAL ASSOCIATION | HINSDALE , IL | 89.31% | $6.5B |
| 65 | SAUK VALLEY BANK & TRUST COMPANY | STERLING , IL | 89.00% | $749M |
| 66 | LONGVIEW BANK | OGDEN , IL | 88.92% | $680M |
| 67 | EAGLE VALLEY BANK | GRIGGSVILLE , IL | 88.67% | $230M |
| 68 | CNB Bank and Trust, N.A. | Carlinville , IL | 88.43% | $1.8B |
| 69 | STATE BANK OF THE LAKES, NATIONAL ASSOCIATION | ANTIOCH , IL | 88.24% | $2.7B |
| 70 | GOLD COAST BANK | CHICAGO , IL | 88.08% | $463M |
| 71 | CENTRAL BANK ILLINOIS | GENESEO , IL | 88.02% | $1.5B |
| 72 | BANK OF O'FALLON | O'FALLON , IL | 87.67% | $377M |
| 73 | MUNICIPAL TRUST AND SAVINGS BANK | BOURBONNAIS , IL | 87.56% | $363M |
| 74 | The Gifford State Bank | Gifford , IL | 87.23% | $190M |
| 75 | PEOPLES STATE BANK OF NEWTON, ILLINOIS, THE | NEWTON , IL | 87.18% | $729M |
| 76 | INTERNATIONAL BANK OF CHICAGO | CHICAGO , IL | 86.67% | $987M |
| 77 | FIRST FEDERAL SAVINGS BANK OF MASCOUTAH, ILLINOIS | MASCOUTAH , IL | 86.66% | $203M |
| 78 | FIDELITY BANK | SAVANNA , IL | 86.59% | $198M |
| 79 | MIDWEST NATIONAL BANK | SANDOVAL , IL | 86.41% | $121M |
| 80 | FOREST PARK NATIONAL BANK AND TRUST COMPANY | FOREST PARK , IL | 86.27% | $320M |
| 81 | ILLINI STATE BANK | TONICA , IL | 86.25% | $171M |
| 82 | SCHAUMBURG BANK & TRUST COMPANY, NATIONAL ASSOCIATION | SCHAUMBURG , IL | 86.25% | $2.4B |
| 83 | FISHER NATIONAL BANK, THE | FISHER , IL | 86.24% | $369M |
| 84 | INB, NATIONAL ASSOCIATION | SPRINGFIELD , IL | 86.11% | $2.5B |
| 85 | Community Bank of Trenton | Trenton , IL | 86.04% | $126M |
| 86 | FIRST NEIGHBOR BANK, NATIONAL ASSOCIATION | TOLEDO , IL | 86.01% | $740M |
| 87 | STATE BANK OF CHERRY | CHERRY , IL | 85.88% | $140M |
| 88 | FIRST STATE BANK OF BEECHER CITY | BEECHER CITY , IL | 85.66% | $113M |
| 89 | Bank of Gibson City | Gibson City , IL | 85.53% | $146M |
| 90 | GOODFIELD STATE BANK | GOODFIELD , IL | 85.17% | $284M |
| 91 | STERLING FEDERAL BANK, FEDERAL SAVINGS BANK | STERLING , IL | 85.11% | $501M |
| 92 | CASEY STATE BANK | CASEY , IL | 85.02% | $506M |
| 93 | FIRST NATIONAL BANK OF LITCHFIELD, THE | LITCHFIELD , IL | 84.92% | $151M |
| 94 | LIBERTY BANK FOR SAVINGS | CHICAGO , IL | 84.83% | $858M |
| 95 | BANTERRA BANK | MARION , IL | 84.81% | $3.3B |
| 96 | FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF CENTRAL ILLINOIS, S.B. | SHELBYVILLE , IL | 84.78% | $227M |
| 97 | FIRST BANK CHICAGO | HIGHLAND PARK , IL | 84.77% | $2.2B |
| 98 | WARREN-BOYNTON STATE BANK | NEW BERLIN , IL | 84.65% | $238M |
| 99 | BANK OF BELLEVILLE | BELLEVILLE , IL | 84.59% | $549M |
| 100 | CORNERSTONE NATIONAL BANK & TRUST COMPANY | PALATINE , IL | 84.51% | $1.0B |
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All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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