🏦Bank Scorer

BANK & TRUST COMPANY

LITCHFIELD, IL · Supervised by FDIC

Est. 1902FDIC #1,047RSSD: FDIC-1047
Part ofLBT BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.14%

Institution Profile

FDIC BankFind

Address

401 N Madison St, LITCHFIELD, IL

County

Montgomery County

Established

September 1, 1902

Total Assets

$645M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$645M

Total Deposits

$548M

Net Loans

$417M

Net Income

$2M

ROA

1.14%

ROE

10.85%

Risk-Based Capital

17.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$521M

1-Year Change

0

5-year net change: +4 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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