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Constitution Bank, National Association

Hillsboro, IL
IDRSSD: 659341
Total Assets
$674.60M
Latest filing
Total Deposits
$616.56M
Latest filing
Net Interest Margin
3.44%
Profitability
0

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 ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date07/02/1945
Community BankYes
Ownership TypeNot Mutual
ZIP62049
State and County Number17135
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number08
Numeric code3
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees100
Domestic Offices12
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date09/02/2025
Date of Deposit Insurance07/02/1945
Primary Insurance AgencyDIF
Websitewww.constitutionbank.com
Data Updated11/14/2025
CERT16276
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$674.60M
Total Deposits$616.56M
Total Liabilities$618.80M
Total Equity Capital$55.80M
Net Income$1.90M
Net Loans and Leases$461.58M
Assets Per Employee ($Millions)$6.25M
Bank Premises and Fixed Assets$16.44M
Cash and Balances due from Depository Institutions$33.49M
Deposits Held in Domestic Offices$616.56M

Key Performance Ratios

Return on Assets (ROA)1.14%
Return on Equity (ROE)14.02%
Net Interest Margin3.44%
Efficiency Ratio56.29%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.272%
Earning Assets to total Assets94.59%

Income and Expense

Total Interest Income$8.41M
Total Noninterest Income$660.00k
Total Interest Expense$3.02M
Total Noninterest Expense$3.41M
Net Interest Income$5.40M
Pre-tax Net Operating Income$2.65M
Provision for Credit Losses$-6,000
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$0
Federal Funds Sold & Reverse Repurchase Agreement$961.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.24M
Total Liabilities and Capital$674.60M

Securities

Securities$152.80M
Available-for-sale debt securities$152.80M
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 Constitution Bank, National Association?
$674.60M as of the latest filing.
How much are Constitution Bank, National Association's total deposits?
$616.56M in total deposits.
Where is Constitution Bank, National Association located?
Hillsboro, IL.
What is the Net Interest Margin?
3.44%.
How many domestic offices does it operate?
12.
When was it established?
07/02/1945.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$461.58M (latest filing).
What is the total interest income (latest filing)?
$8.41M.