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 4 of 4

Bank Assets Grade
Community National Bank in Monmouth $54M B
Farmers & Merchants Bank of Hutsonville $52M A
The Lemont National Bank $49M F
Buckley State Bank $49M B
Table Grove State Bank $47M B
Peoples State Bank of Colfax $47M A
Middletown State Bank $46M B
Community Bank of Easton $45M C
Fairview State Banking Company $43M A
North Side Federal Savings and Loan Association of Chicago $43M C
First State Bank of Van Orin $42M B
Country Trust Bank $38M A
Citizens Bank of Chatsworth $37M C
Farmers State Bank of Emden $37M A
State Bank of Nauvoo $37M C
The First State Bank of Dongola $33M B
Vermont State Bank $31M A
Dewey Bank $31M B
Citizens Bank of Edinburg $31M A
First State Bank of St. Peter $29M A
Milford Building and Loan Association $27M C
Campus State Bank $26M B
Peoples Bank of Macon $24M B
The First National Bank of Assumption $23M B
Chesterfield State Bank $21M F
Farmers State Bank of Medora $21M C
Hartsburg State Bank $20M C
Sainte Marie State Bank $19M A
Grand Rivers Community Bank $17M F
BMO Harris Central National Association $8M 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.

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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.