Total Assets
$713M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Hickory Point Bank and Trust — FDIC Bank Health Profile
Decatur, Illinois · Est. 1979. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #22874 Chicago Region
B
Health grade
Good
Score: 68/100
Basel III capital ratios — Hickory Point Bank and Trust
Total Deposits
$628M
Customer-funded liabilities
Net Loans
$436M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
16.18% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
16.18%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$77M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.10%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
10.85%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
68.23%
Income & Expense Breakdown
$35M
Interest Income
$9M
Non-Interest Income
$23M
Non-Interest Expense
FDIC Deposit Insurance
Hickory Point Bank and Trust is FDIC-insured (Certificate #22874). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Hickory Point Bank and Trust
Hickory Point Bank and Trust is an FDIC-insured institution (Certificate #22874) headquartered in Decatur, Illinois, established in 1979. The bank currently holds $713M in total assets and $628M in customer deposits, with $436M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Chicago region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Hickory Point Bank and Trust reports a Tier 1 Capital Ratio of 16.18% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $77M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.10% and a Return on Equity of 10.85%, with an Efficiency Ratio of 68.23% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of B (68/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Hickory Point Bank and Trust is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Illinois by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Hickory Point Bank and Trust (FDIC Cert #22874) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National Association Chicago | $252.1B | C | 0.95% |
| The Northern Trust Company Chicago | $176.4B | C | 1.02% |
| CIBC Bank USA Chicago | $64.0B | B | 1.47% |
| Busey Bank Champaign | $18.1B | C | 0.92% |
| Byline Bank Chicago | $9.6B | B | 1.47% |
| Wintrust Bank, National Association Chicago | $9.6B | B | 1.88% |
| Lake Forest Bank & Trust Company, National Association Lake Forest | $9.4B | B | 2.20% |
| First American Bank Elk Grove Village | $8.1B | B | 1.72% |
Frequently Asked Questions
What is Hickory Point Bank and Trust's health grade? ▼
Hickory Point Bank and Trust receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Hickory Point Bank and Trust? ▼
Hickory Point Bank and Trust holds $713M in total assets and $628M in deposits. It is headquartered in Decatur, Illinois.
Is my money safe at Hickory Point Bank and Trust? ▼
Yes. Hickory Point Bank and Trust is FDIC-insured (Certificate #22874). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Hickory Point Bank and Trust's Tier 1 Capital Ratio? ▼
Hickory Point Bank and Trust has a Tier 1 Capital Ratio of 16.18%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Hickory Point Bank and Trust? ▼
Hickory Point Bank and Trust has an Efficiency Ratio of 68.23%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.