FDIC Cert #12549 · Hardin, Illinois · Est. 1898

Bank of Calhoun County - FDIC Bank Health Profile

A community-scale look at Bank of Calhoun County's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$97M
Total assets
A
Health grade · Excellent
0.99%
Return on assets
18.4%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Calhoun County earns a PlainBankData health grade of A (82/100), with well-capitalized at 18.38% Tier 1, 0.99% ROA, 63% efficiency ratio.

#3,761
largest of 4,313 FDIC banks by assets
13th
percentile by asset size, nationally
18.38%
Tier 1 ratio - above the 10% well-capitalized line
42nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 12549 · IL A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1826/4307
  • PHOTO-FINISH The First State Bank · TX
  • TIER1-WELL 18.4% Tier 1
  • TEXAS-CLEAN 0.1% Texas
  • ROA-PAR 0.99% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: The First State Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Calhoun County

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Calhoun County · IL …82/100Baraboo State Bank · WI · ne…82/100Citizens State Bank… · IN · …82/100Farmers State Bank · TN · ne…82/100The First State Bank · TX · …82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Calhoun County · July 2026

Call Report read for Bank of Calhoun County in a high-failure state

Bank of Calhoun County (FDIC Cert #12549) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,826 of 4,307. Tier 1 capital prints at 18.38%, clearing the 10% well-capitalized line. The Texas Ratio is 0.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.99%. Balance-sheet scale is $97M, 3,761st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First State Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Calhoun County

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Bank of Calhoun County sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Bank of Calhoun County's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Bank of Calhoun County's 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
Bank of Calhoun County's composite health score
Tier 1 Capital Ratio (18.38%) 40/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (0.09%) 20/20
Efficiency Ratio (62.63%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$97M

Total balance-sheet footings

Total Deposits

$87M

Customer-funded liabilities

Net Loans

$52M

Outstanding loan book

Net Income

$956K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.98% 18.38% 19.78%
Basel III capital ratios - Bank of Calhoun County

Where Bank of Calhoun County ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Calhoun County's score of 82/100 falls in the highlighted band.

Bank of Calhoun County: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 42% higher than 58% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Calhoun County 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Calhoun County's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Calhoun County's $97M falls in the highlighted band.

Capital & credit buffers at Bank of Calhoun County

Tier 1 capital ratio
Well-capitalized 10%

18.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.38%
Texas Ratio
0.09%
Equity Capital
$9M

What these ratios mean →

Profitability metrics: Bank of Calhoun County

Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
10.73%
Efficiency Ratio
62.63%

What these mean →

Income & expense at Bank of Calhoun County

$4M
Interest Income
$225K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Calhoun County reports a Texas Ratio of 0.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Calhoun County on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($97M here), outside Illinois so the neighborhood is not state containment.

Mayville State Bank $97M · MI Portage Bank $97M · WA The First National Bank of Hebbronvil… $97M · TX Peoples Exchange Bank $97M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Calhoun County (FDIC Cert #12549) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Calhoun County Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%