State directory · IL

Illinois Banks

Every FDIC-insured bank headquartered in Illinois, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
330
FDIC banks
76/100
Avg health score
$762.2B
Total assets
71
Failures since 2000

Data updated July 2026

The state picture

Illinois's 330 FDIC banks hold $762.2B in assets and average 76/100 on health - 79% earn an A or B grade.

330
FDIC-insured banks
79%
grade A or B (262 banks)
$252.1B
largest - BMO Bank
71
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: Illinois's average health score of 76/100 is below the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
141
43% of banks
B
121
37% of banks
C
51
15% of banks
D
12
4% of banks
F
5
2% of banks

Largest banks in Illinois

Top 10 Illinois banks by total assets
  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

  6. 6
    Wintrust Bank $9.6B

    Chicago, IL · Grade A

  7. 7
    Lake Forest Bank & Trust Company $9.4B

    Lake Forest, IL · Grade A

  8. 8
    First American Bank $8.1B

    Elk Grove Village, IL · Grade A

  9. 9
    First Mid Bank & Trust $7.9B

    Mattoon, IL · Grade A

  10. 10
    Old Second National Bank $6.9B

    Aurora, IL · Grade A

Top 10 of 330 Illinois banks · FDIC Call Report Q4 2025.

Illinois banks by health grade

0 30 60 90 120 150 A B C D F 141 121 51 12 5

How Illinois compares nationally

Illinois ranks #30 of 55 states and territories by average bank health score - better than 46% of them.

States grouped by average health score

All 330 Illinois banks · Page 1 of 4

Bank Assets Grade
BMO Bank National Association $252.1B A
The Northern Trust Company $176.4B B
CIBC Bank USA $64.0B A
Busey Bank $18.1B A
Byline Bank $9.6B A
Wintrust Bank, National Association $9.6B A
Lake Forest Bank & Trust Company, National Association $9.4B A
First American Bank $8.1B A
First Mid Bank & Trust, National Association $7.9B A
Old Second National Bank $6.9B A
Midland States Bank $6.5B C
Hinsdale Bank & Trust Company, National Association $6.1B A
Northbrook Bank and Trust Company, National Association $5.9B A
Morton Community Bank $5.4B A
Heartland Bank and Trust Company $5.1B A
State Bank of India $4.8B F
Barrington Bank & Trust Company, National Association $4.8B C
Wheaton Bank & Trust, National Association $4.5B A
United Community Bank $4.1B A
Carrollton Bank $3.8B B
Parkway Bank and Trust Company $3.6B A
Village Bank and Trust, National Association $3.5B A
St. Charles Bank & Trust Company, National Association $3.5B B
Banterra Bank $3.3B C
Old Plank Trail Community Bank, National Association $3.3B A
Libertyville Bank & Trust Company, National Association $3.1B A
Lakeside Bank $2.9B A
Republic Bank of Chicago $2.7B A
FCB Banks $2.6B A
Beverly Bank & Trust Company, National Association $2.5B B
INB, National Association $2.5B B
State Bank of the Lakes, National Association $2.5B A
Schaumburg Bank & Trust Company, National Association $2.3B A
First Bank Chicago $2.2B D
Marquette Bank $2.2B B
Crystal Lake Bank and Trust Company, National Association $2.1B A
American Commercial Bank & Trust, National Association $2.0B B
Peoples National Bank , N.A. $2.0B B
Signature Bank $2.0B A
Blackhawk Bank & Trust $1.9B A
Bank of Springfield $1.9B B
Foresight Bank $1.7B B
First State Bank $1.6B B
Providence Bank & Trust $1.6B C
Dieterich Bank $1.6B C
Amalgamated Bank of Chicago $1.5B A
Central Bank Illinois $1.4B B
First Bankers Trust Company, National Association $1.2B B
Bank of Pontiac $1.2B A
American Community Bank & Trust $1.1B A
The Federal Savings Bank $1.1B C
First Southern Bank $1.0B A
Cornerstone National Bank & Trust Company $1.0B A
Belmont Bank & Trust Company $1.0B A
Servbank, National Association $995M A
International Bank of Chicago $965M A
First National Bank of Waterloo $930M B
Farmers National Bank $902M A
Resource Bank, National Association $862M C
Liberty Bank for Savings $856M B
Fortress Bank $839M D
CIBM Bank $825M C
Millennium Bank $811M C
Prairie State Bank and Trust $806M A
First Savings Bank of Hegewisch $794M C
Itasca Bank & Trust Co. $777M B
Home State Bank, National Association $768M A
Sauk Valley Bank & Trust Company $748M B
Albany Bank and Trust Company National Association $730M A
The Peoples State Bank of Newton, Illinois $720M A
First Neighbor Bank, National Association $718M B
Hickory Point Bank and Trust $713M A
Midwest Bank $703M B
Time Bank $693M A
BankOrion $676M C
Prospect Bank $676M C
Longview Bank $672M B
Constitution Bank, National Association $660M B
The Bradford National Bank of Greenville $656M A
Legence Bank $649M A
MidAmerica National Bank $640M D
Apple River State Bank $639M A
Bank & Trust Company $633M A
TrustBank $628M B
Stillman BancCorp N.A. $625M B
The Fairfield National Bank $623M C
Peoples Bank & Trust $618M A
First Eagle Bank $611M A
The First National Bank of Carmi $603M A
FNBC Bank & Trust $598M B
Peoples National Bank of Kewanee $587M B
Washington Savings Bank $586M B
Bank of Belleville $548M B
Lisle Savings Bank $545M B
Pan American Bank & Trust $542M B
First Nations Bank $540M A
Citizens Community Bank $532M C
First Secure Community Bank $526M D
Sterling Federal Bank, F.S.B. $514M D
Germantown Trust & Savings Bank $510M A

How to read the Illinois bank directory

This page lists every FDIC-insured bank with a primary regulatory address in Illinois. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 330 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across Illinois, 262 institutions (79%) sit in the A or B band, while 17 (5%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 71 banks headquartered in Illinois have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the Illinois directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

← All US states

Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.