Bank & Trust Company
Litchfield, IL
IDRSSD: 496845
Total Assets
$633.16M
Latest filing
Total Deposits
$535.10M
Latest filing
Net Interest Margin
3.59%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank & Trust Company
401 N Madison St
Litchfield, IL 62056
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/01/1902FDIC Certificate 700
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Bank & Trust Company (Main) | 401 N Madison St | Litchfield, IL |
| COFFEEN BRANCH | 200 W Main St | Coffeen, IL |
| MONEY CENTRE BRANCH | 1201 W Union Ave | Litchfield, IL |
| RAYMOND BRANCH | 404 S Obannon St | Raymond, IL |
| CHATHAM BRANCH | 10 W Plummer Blvd | Chatham, IL |
| CARLINVILLE BRANCH | 900 W Main St | Carlinville, IL |
| ROCHESTER BRANCH | 196 S Walnut St | Rochester, IL |
| IRVING BRANCH | 103 S Pine St | Irving, IL |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62056 |
| State and County Number | 17135 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 101 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/24/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.banktr.com |
| Data Updated | 01/30/2026 |
| CERT | 1047 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $633.16M |
| Total Deposits | $535.10M |
| Total Liabilities | $566.59M |
| Total Equity Capital | $66.57M |
| Net Income | $1.66M |
| Net Loans and Leases | $417.00M |
| Assets Per Employee ($Millions) | $6.33M |
| Bank Premises and Fixed Assets | $4.43M |
| Cash and Balances due from Depository Institutions | $21.37M |
| Deposits Held in Domestic Offices | $535.10M |
Key Performance Ratios
| Return on Assets (ROA) | 1.06% |
| Return on Equity (ROE) | 10.14% |
| Net Interest Margin | 3.59% |
| Efficiency Ratio | 55.36% |
| Tier 1 Risk-Based Capital Ratio | 15.676% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.31% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.513% |
| Earning Assets to total Assets | 96.31% |
Income and Expense
| Total Interest Income | $8.35M |
| Total Noninterest Income | $904.00k |
| Total Interest Expense | $2.90M |
| Total Noninterest Expense | $3.51M |
| Net Interest Income | $5.44M |
| Pre-tax Net Operating Income | $2.35M |
| Provision for Credit Losses | $484.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $19.70M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $9.20M |
| All Other Liabilities | $2.59M |
| Total Liabilities and Capital | $633.16M |
Securities
| Securities | $181.09M |
| Available-for-sale debt securities | $181.09M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank & Trust Company?
$633.16M as of the latest filing.
How much are Bank & Trust Company's total deposits?
$535.10M in total deposits.
Where is Bank & Trust Company located?
Litchfield, IL.
What is the Net Interest Margin?
3.59%.
How many domestic offices does it operate?
11.
When was it established?
09/01/1902.
What is the Return on Assets (ROA)?
1.06%.
How much are total loans and leases?
$417.00M (latest filing).
What is the total interest income (latest filing)?
$8.35M.