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Bank & Trust Company

$100M-$1B Specialty: Agricultural IL FDIC cert 1047

Litchfield, IL

11 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +3.8% year over year ($540.5M on the books).
  • Delinquency rate 0.38%.
  • Return on assets 1.13%.
  • Efficiency ratio 57.20% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.91% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Bank & Trust Company has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 7.28% below tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 21.5% in tier
  • - Credit Risk Growth: Bottom 43.4% in tier
  • - ROA 0.19% below tier average
  • - Net Interest Margin 0.29% below tier average
Get updates when Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $641.3M
+4.4% YoY -0.5% QoQ
+$254.8M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $426.5M
+10.4% YoY +2.3% QoQ
+$168.1M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $540.5M
+3.8% YoY -1.3% QoQ
+$213.8M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 1.13%
+3.2% YoY -0.6% QoQ
-0.19% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
43%
Net Interest Margin ? 3.70%
+7.4% YoY +1.4% QoQ
-0.29% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 57.20%
-4.1% YoY -0.9% QoQ
-7.28% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 0.38%
+18.0% YoY +18.1% QoQ
-0.54% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 78.91%
+6.4% YoY +3.7% QoQ
+0.95% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
52%
Non-Interest-Bearing Deposit Share ? 16.61%
-2.1% YoY -1.2% QoQ
-5.42% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.27%
+21.7% YoY +27.1% QoQ
-0.40% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 16.19%
+0.6% YoY +1.2% QoQ
+0.28% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.21%
-5.1% YoY +98.1% QoQ
-0.35% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 16.6%
-0.4pp YoY
-0.2pp QoQ
 -5.5pp 22.1% 20.1% 22.2% 30%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 12.7%
+0.4pp YoY
-0.6pp QoQ
 +1.1pp 11.6% 14.7% 12.5% 67%
CRE 32.0%
-1.7pp YoY
-0.9pp QoQ
 -7.5pp 39.5% 37.9% 41.4% 38%
1-4 Family 23.7%
0.0pp YoY
+1.2pp QoQ
 -8.9pp 32.6% 28.3% 31.3% 38%
Consumer 5.3%
-0.7pp YoY
-0.3pp QoQ
 +1.2pp 4.1% 5.4% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 16.2%
+0.1pp YoY
+0.2pp QoQ
 -2.6pp 18.8% 19.9% 19.7% 59%
Leverage Ratio 11.3%
+0.4pp YoY
+0.2pp QoQ
 -0.9pp 12.2% 12.2% 12.6% 55%
Total Capital Ratio 17.4%
+0.1pp YoY
+0.2pp QoQ
 -2.5pp 19.9% 20.9% 20.8% 60%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 99
-2 (-2.0%) YoY
-3 (-2.9%) QoQ
 +40 58 228 482 86%
Assets per Employee ($) $6.5M
+6.5% YoY
+2.5% QoQ
 -$1.0M $7.5M $8.3M $8.8M 42%
Branch Count 11
0 YoY
0 QoQ
 +6 4 10 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.4%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 1.1% 1.0% 46%
Allowance Coverage 4.60x
-13.3% YoY
-14.8% QoQ
 -19.56x 24.15x 5.62x 20.23x 68%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 10.7%
-0.4pp YoY
-0.2pp QoQ
 -1.5pp 12.2% 10.5% 11.6% 41%
Cost of Funds (YTD) 1.8%
0.0pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 58%
Net Income ($, YTD) $3.6M
+10.2% YoY
— QoQ
 +$1.1M $2.6M $11.7M $40.4M 77%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#271 of 1256 • Bottom 21.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.38%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#407 of 936 • Bottom 43.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

435
Total Assets
size
Value: $641.34M
Peer Median: $386.57M
#435 of 2643 Top 16.4% in $100M-$1B
441
Total Deposits
size
Value: $540.50M
Peer Median: $326.73M
#441 of 2643 Top 16.6% in $100M-$1B
483
Total Loans
size
Value: $426.48M
Peer Median: $258.35M
#483 of 2643 Top 18.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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