FDIC Cert #3808 · Litchfield, Illinois · Est. 1907

The Litchfield National Bank - FDIC Bank Health Profile

A community-scale look at The Litchfield National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$140M
Total assets
B
Health grade · Good
0.65%
Return on assets
15.6%
Tier 1 capital

Data updated July 2026

The verdict

The Litchfield National Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 15.64% Tier 1, 0.65% ROA, 74% efficiency ratio.

#3,428
largest of 4,313 FDIC banks by assets
20th
percentile by asset size, nationally
15.64%
Tier 1 ratio - above the 10% well-capitalized line
22nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 3808 · IL B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2650/4307
  • PHOTO-FINISH Eagle Bank and Trust… · AR
  • TIER1-WELL 15.6% Tier 1
  • TEXAS-CLEAN 6.9% Texas
  • ROA-THIN 0.65% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Eagle Bank and Trust Company, AR (±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 The Litchfield National Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Commerce and… · KS ·…74/100Eagle Bank and Trust… · AR ·…74/100Normangee State Bank · TX · …74/100The First National B… · MI ·…74/100The Litchfield Natio… · IL ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Litchfield National Bank · July 2026

Call Report read for The Litchfield National Bank in a high-failure state

The Litchfield National Bank (FDIC Cert #3808) carries a PlainBankData health grade of B at 74/100, 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 #2,650 of 4,307. Tier 1 capital prints at 15.64%, clearing the 10% well-capitalized line. The Texas Ratio is 6.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.65%. Balance-sheet scale is $140M, 3,428th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Eagle Bank and Trust Company (AR), 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 The Litchfield National Bank

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

The Litchfield National Bank 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 The Litchfield National Bank'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 The Litchfield National Bank's 74/100 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 avg77/10074/100
The Litchfield National Bank's composite health score
Tier 1 Capital Ratio (15.64%) 40/40
Return on Assets (ROA) (0.65%) 14/25
Texas Ratio (6.88%) 16/20
Efficiency Ratio (74.13%) 4/15

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

Balance sheet at a glance

Total Assets

$140M

Total balance-sheet footings

Total Deposits

$122M

Customer-funded liabilities

Net Loans

$83M

Outstanding loan book

Net Income

$883K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.24% 15.64% 17.04%
Basel III capital ratios - The Litchfield National Bank

Where The Litchfield National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Litchfield National Bank's score of 74/100 falls in the highlighted band.

The Litchfield National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 38th percentile higher than 38% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Litchfield National Bank 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

The Litchfield National Bank'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). The Litchfield National Bank's $140M falls in the highlighted band.

Capital & credit buffers at The Litchfield National Bank

Tier 1 capital ratio
Well-capitalized 10%

15.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.64%
Texas Ratio
6.88%
Equity Capital
$11M

What these ratios mean →

Profitability metrics: The Litchfield National Bank

Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
9.05%
Efficiency Ratio
74.13%

What these mean →

Income & expense at The Litchfield National Bank

$6M
Interest Income
$712K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Litchfield National Bank reports a Texas Ratio of 6.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Litchfield National Bank 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 ($140M here), outside Illinois so the neighborhood is not state containment.

Deutsche Bank Trust Company Delaware $140M · DE State Bank of Downs $140M · KS Johnson City Bank $140M · TX Texas National Bank $140M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Litchfield National Bank (FDIC Cert #3808) - 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.

The Litchfield National Bank 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%