Total Assets
$628M
Total balance-sheet footings
FDIC Cert #14662 · Olney, Illinois · Est. 1912
TrustBank - FDIC Bank Health Profile
A community-scale look at TrustBank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $628M
- Total assets
- B
- Health grade · Good
- 1.59%
- Return on assets
- 9.4%
- Tier 1 capital
Data updated July 2026
The verdict
TrustBank earns a PlainBankData health grade of B (67/100), with 9.38% Tier 1 capital, profitable at 1.59% ROA, 66% efficiency ratio.
- #1,520
- largest of 4,313 FDIC banks by assets
- 65th
- percentile by asset size, nationally
- 9.38%
- Tier 1 ratio - below the 10% well-capitalized line
- 78th
- 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.
How TrustBank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
TrustBank's composite health score
Tier 1 Capital Ratio (9.38%) 18/40
Return on Assets (ROA) (1.59%) 25/25
Texas Ratio (11.13%) 16/20
Efficiency Ratio (66.15%) 8/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$543M
Customer-funded liabilities
Net Loans
$505M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where TrustBank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. TrustBank's score of 67/100 falls in the highlighted band.
TrustBank'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). TrustBank's $628M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.38% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.38%
Texas Ratio
11.13%
Equity Capital
$61M
Profitability metrics
Return on Assets (ROA)
78th percentile nationally
1.59%
Return on Equity (ROE)
16.45%
Efficiency Ratio
66.15%
What the numbers say about TrustBank
TrustBank is an FDIC-insured institution (Certificate #14662) headquartered in Olney, Illinois, established in 1912. It holds $628M in total assets - 1,520th of 4,313 FDIC-insured banks, $543M in customer deposits, and $505M in net loans. On safety, its Tier 1 capital ratio of 9.38% is below the 10% well-capitalized threshold, and its Texas Ratio of 11.13% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, TrustBank ranks 84th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$35M
Interest Income
$9M
Non-Interest Income
$21M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. TrustBank reports a Texas Ratio of 11.13% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) TrustBank (FDIC Cert #14662) - 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 TrustBank's health grade?▼
TrustBank receives a health grade of B (67/100) 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 TrustBank?▼
TrustBank holds $628M in total assets and $543M in deposits, ranking 1,520th of 4,313 FDIC-insured banks by asset size. It is headquartered in Olney, Illinois.
Is my money safe at TrustBank?▼
Yes, deposits at TrustBank (Certificate #14662) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is TrustBank's Tier 1 Capital Ratio?▼
TrustBank has a Tier 1 Capital Ratio of 9.38%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for TrustBank?▼
TrustBank has a Texas Ratio of 11.13%. 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 TrustBank?▼
TrustBank has an Efficiency Ratio of 66.15%. 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 TrustBank's profile as a depositor or analyst.
- TrustBank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare TrustBank 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.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.