Total Assets
$78M
Total balance-sheet footings
FDIC Cert #21635 · Bourbonnais, Illinois · Est. 1974
The Bank of Bourbonnais - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $78M
- Total assets
- A
- Health grade · Excellent
- 0.77%
- Return on assets
- 18.8%
- Tier 1 capital
The verdict
The Bank of Bourbonnais earns a PlainBankData health grade of A (82/100), with well-capitalized at 18.84% Tier 1, 0.77% ROA, 69% efficiency ratio.
- #3,925
- largest of 4,313 FDIC banks by assets
- 9th
- percentile by asset size, nationally
- 18.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 28th
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$67M
Customer-funded liabilities
Net Loans
$50M
Outstanding loan book
Net Income
$600K
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - The Bank of Bourbonnais
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.84% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
18.84%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
0.00%
Equity Capital
Tangible book value as a capital buffer
$10M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 27.6th pct nationally
0.77%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
6.49%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
68.92%
What the numbers say about The Bank of Bourbonnais
The Bank of Bourbonnais is an FDIC-insured institution (Certificate #21635) headquartered in Bourbonnais, Illinois, established in 1974. It holds $78M in total assets — 3,925th of 4,313 FDIC-insured banks, $67M in customer deposits, and $50M in net loans. On safety, its Tier 1 capital ratio of 18.84% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$4M
Interest Income
$80K
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. The Bank of Bourbonnais reports a Texas Ratio of 0.00% — comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% — lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
FDIC deposit insurance
The Bank of Bourbonnais is FDIC-insured (Certificate #21635). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) The Bank of Bourbonnais (FDIC Cert #21635) — 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.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Bank of Bourbonnais's health grade?▼
The Bank of Bourbonnais receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Bank of Bourbonnais?▼
The Bank of Bourbonnais holds $78M in total assets and $67M in deposits, ranking 3,925th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bourbonnais, Illinois.
Is my money safe at The Bank of Bourbonnais?▼
Yes. The Bank of Bourbonnais is FDIC-insured (Certificate #21635). 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 The Bank of Bourbonnais's Tier 1 Capital Ratio?▼
The Bank of Bourbonnais has a Tier 1 Capital Ratio of 18.84%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Bank of Bourbonnais?▼
The Bank of Bourbonnais has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of Bourbonnais?▼
The Bank of Bourbonnais has an Efficiency Ratio of 68.92%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of Bourbonnais's profile as a depositor or analyst.
- The Bank of Bourbonnais's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare The Bank of Bourbonnais against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.