Hickory Point Bank and Trust
Decatur, IL
IDRSSD: 550635
Total Assets
$713.39M
Latest filing
Total Deposits
$628.00M
Latest filing
Net Interest Margin
3.73%
Profitability
Key People
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Locations
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Main Office
Hickory Point Bank and Trust
225 N Water St
Decatur, IL 62523
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/04/1979FDIC Certificate 15985
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Hickory Point Bank and Trust (Main) | 225 N Water St | Decatur, IL |
| MT ZION BRANCH | 1880 S Mount Zion Rd | Decatur, IL |
| FARIES BRANCH | 4666 E Faries Pkwy | Decatur, IL |
| WABASH AVENUE BRANCH | 3131 Wabash Ave | Springfield, IL |
| CHAMPAIGN PARK AVENUE BRANCH | 202 W Park Ave | Champaign, IL |
| SOUTH SHORES BRANCH | 10 Southland Dr | Decatur, IL |
| NORTH POINT BANKING CENTER BRANCH | 3101 N Water St | Decatur, IL |
| FORSYTH BRANCH | 165 W Weaver Rd | Forsyth, IL |
Showing 7 of 7
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 | 06/04/1979 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62523 |
| State and County Number | 17115 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| 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 | Decatur, IL |
Operational Info
| Number of Employees | 123 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/07/2025 |
| Date of Deposit Insurance | 06/04/1979 |
| Primary Insurance Agency | DIF |
| Website | www.hickorypointbank.com |
| Data Updated | 01/30/2026 |
| CERT | 22874 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $713.39M |
| Total Deposits | $628.00M |
| Total Liabilities | $635.93M |
| Total Equity Capital | $77.46M |
| Net Income | $2.43M |
| Net Loans and Leases | $435.69M |
| Assets Per Employee ($Millions) | $5.85M |
| Bank Premises and Fixed Assets | $16.10M |
| Cash and Balances due from Depository Institutions | $36.34M |
| Deposits Held in Domestic Offices | $628.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.35% |
| Return on Equity (ROE) | 12.66% |
| Net Interest Margin | 3.73% |
| Efficiency Ratio | 63.4% |
| Tier 1 Risk-Based Capital Ratio | 16.183% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.858% |
| Earning Assets to total Assets | 93.12% |
Income and Expense
| Total Interest Income | $8.51M |
| Total Noninterest Income | $2.65M |
| Total Interest Expense | $2.27M |
| Total Noninterest Expense | $5.64M |
| Net Interest Income | $6.24M |
| Pre-tax Net Operating Income | $3.25M |
| Provision for Credit Losses | $0 |
| 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 | $1.25M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.67M |
| Total Liabilities and Capital | $713.39M |
Securities
| Securities | $196.89M |
| Available-for-sale debt securities | $85.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $110.93M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Hickory Point Bank and Trust?
$713.39M as of the latest filing.
How much are Hickory Point Bank and Trust's total deposits?
$628.00M in total deposits.
Where is Hickory Point Bank and Trust located?
Decatur, IL.
What is the Net Interest Margin?
3.73%.
How many domestic offices does it operate?
9.
When was it established?
06/04/1979.
What is the Return on Assets (ROA)?
1.35%.
How much are total loans and leases?
$435.69M (latest filing).
What is the total interest income (latest filing)?
$8.51M.