CNB Bank and Trust, N.A.
Carlinville, IL
IDRSSD: 613343
Total Assets
$1.84B
Latest filing
Total Deposits
$1.54B
Latest filing
Net Interest Margin
3.64%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
CNB Bank and Trust, N.A.
450 W Side Sq
Carlinville, IL 62626
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1888FDIC Certificate 2439
Branches (17)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| CNB Bank and Trust, N.A. (Main) | 450 W Side Sq | Carlinville, IL |
| CORN BELT BANK AND TRUST COMPANY BRANCH | 643 W Washington St | Pittsfield, IL |
| BRIGHTON BRANCH | 202 N Maple St | Brighton, IL |
| JERSEYVILLE BRANCH | 533 S State St | Jerseyville, IL |
| HOMER ADAMS PARKWAY BRANCH | 200 Homer M Adams Pkwy | Alton, IL |
| 100 NO DYE ST BRANCH | 100 N Dye St | Virden, IL |
| SOUTH MAIN BRANCH | 903 S Main St | Jacksonville, IL |
| HILLSBORO BRANCH | 549 S Main St | Hillsboro, IL |
Showing 7 of 17
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1888 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62626 |
| State and County Number | 17117 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | St. Louis, MO-IL |
Operational Info
| Number of Employees | 271 |
| Domestic Offices | 18 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cnbil.com |
| Data Updated | 11/14/2025 |
| CERT | 3775 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.84B |
| Total Deposits | $1.54B |
| Total Liabilities | $1.68B |
| Total Equity Capital | $159.73M |
| Net Income | $4.79M |
| Net Loans and Leases | $1.29B |
| Assets Per Employee ($Millions) | $6.98M |
| Bank Premises and Fixed Assets | $17.95M |
| Cash and Balances due from Depository Institutions | $81.40M |
| Deposits Held in Domestic Offices | $1.54B |
Key Performance Ratios
| Return on Assets (ROA) | 1.05% |
| Return on Equity (ROE) | 12.45% |
| Net Interest Margin | 3.64% |
| Efficiency Ratio | 61.44% |
| Tier 1 Risk-Based Capital Ratio | 11.524% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.67% |
| Earning Assets to total Assets | 93.68% |
Income and Expense
| Total Interest Income | $24.22M |
| Total Noninterest Income | $3.36M |
| Total Interest Expense | $8.78M |
| Total Noninterest Expense | $11.67M |
| Net Interest Income | $15.44M |
| Pre-tax Net Operating Income | $6.56M |
| Provision for Credit Losses | $577.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $77.02M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $44.91M |
| All Other Liabilities | $23.18M |
| Total Liabilities and Capital | $1.84B |
Securities
| Securities | $368.62M |
| Available-for-sale debt securities | $368.62M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CNB Bank and Trust, N.A.?
$1.84B as of the latest filing.
How much are CNB Bank and Trust, N.A.'s total deposits?
$1.54B in total deposits.
Where is CNB Bank and Trust, N.A. located?
Carlinville, IL.
What is the Net Interest Margin?
3.64%.
How many domestic offices does it operate?
18.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
1.05%.
How much are total loans and leases?
$1.29B (latest filing).
What is the total interest income (latest filing)?
$24.22M.