Hickory Point Bank and Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Hickory Point Bank and Trust is an FDIC-insured commercial bank. The bank posts a strong 1.25% ROA and 11.52% ROE. Hickory Point Bank and Trust's Q2 2026 balance sheet shows $718M in assets funded primarily by $627M in customer deposits. Capital is comfortably above regulatory requirements, CET1 ratio of 16.15% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.34%. It operates 8 branches, primarily in Illinois.
As of June 30, 2026, Hickory Point Bank and Trust reported a CET1 capital ratio of 16.15%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.34%, a Texas ratio of 1.77%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 225 N Water St, Decatur, IL 62523
- County
- Macon
- Metro Area
- Decatur, IL
- 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 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 4, 1979
- Former names
- Hickory Point Bank and Trust, FSB (1998-2015); Eagle Bank of Macon County (1984-1987)
- Offices
- 8 domestic
- Employees (FTE)
- 118
- Domestic deposits
- $626.8M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- -$1K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 4, 1979
- FDIC Cert
- 22874
- Fed RSSD
- 550635
- SEC CIK
- 1515155 → filed by FIRST ILLINOIS CORPORATION
- Website
- www.hickorypointbank.com →
- Parent Holding Company
- HPB HOLDINGS, INC. (RSSD 4305459)
- Ultimate Parent
- FIRST ILLINOIS CORPORATION (RSSD 4305477)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Hickory Point Bank and Trust terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Hickory Point Bank and Trust, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Hickory Point Bank and Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.15% | 1.25% | 0.34% | 1.77% | 3.72% |
| Q1 2026 | 16.23% | 1.16% | 0.58% | 2.99% | 3.50% |
| Q4 2025 | 16.18% | 1.35% | 0.24% | 1.27% | 3.66% |
| Q3 2025 | 15.09% | 1.04% | 0.26% | 1.45% | 3.63% |
| Q2 2025 | 14.65% | 1.00% | 0.37% | 3.95% | 3.52% |
| Q1 2025 | 14.28% | 1.04% | 0.58% | 5.60% | 3.43% |
| Q4 2024 | 13.87% | 0.89% | 0.61% | 5.87% | 3.31% |
| Q3 2024 | 13.70% | 0.91% | 0.91% | 5.48% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Forsyth Branch | Forsyth , IL | 62535 | $201.7M |
| Hickory Point Bank and Trust (main office) | Decatur , IL | 62523 | $150.4M |
| Wabash Avenue Branch | Springfield , IL | 62704 | $81.2M |
| Champaign Park Avenue Branch | Champaign , IL | 61820 | $76.8M |
| Mt Zion Branch | Decatur , IL | 62521 | $67.1M |
| South Shores Branch | Decatur , IL | 62521 | $39.0M |
| Faries Branch | Decatur , IL | 62526 | $7.9M |
| North Point Banking Center Branch | Decatur , IL | 62526 | $2.6M |
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 |
|---|---|---|---|
| September 20, 2014 | Structure Change | Acquired Marshall County 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 1 event.
Regulatory record
What the public regulatory sources show for Hickory Point Bank and Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- August 30, 1999, OCC: Formal Agreement: First Illinois National Bank
- Period: Most recent institution action August 30, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 87 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 306 applications, 238 loans originated, $53.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Hickory Point Bank and Trust’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Hickory Point Bank and Trust with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Hickory Point Bank and Trust
What are Hickory Point Bank and Trust's total assets?
As of the Q2 2026 filing, Hickory Point Bank and Trust reported total assets of $717.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hickory Point Bank and Trust headquartered?
Hickory Point Bank and Trust is headquartered in Decatur, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Hickory Point Bank and Trust founded?
Hickory Point Bank and Trust was established in 1979, per the FDIC institution directory.
Is Hickory Point Bank and Trust FDIC-insured?
Yes. Hickory Point Bank and Trust is an FDIC-insured commercial bank (FDIC Certificate #22874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hickory Point Bank and Trust?
Hickory Point Bank and Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Hickory Point Bank and Trust's CET1 capital ratio?
Hickory Point Bank and Trust reported a Common Equity Tier 1 (CET1) capital ratio of 16.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hickory Point Bank and Trust operate?
Hickory Point Bank and Trust 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 Hickory Point Bank and Trust's Texas Ratio?
Hickory Point Bank and Trust's Texas Ratio is 1.77% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Hickory Point Bank and Trust previously called?
The charter now named Hickory Point Bank and Trust has also operated as Hickory Point Bank and Trust, FSB (1998-2015), Eagle Bank of Macon County (1984-1987), per FDIC structure-change records.
Go deeper on Hickory Point Bank and Trust.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Hickory Point Bank and Trust, freeFree account