Hickory Point Bank and Trust
Decatur, IL
IDRSSD: 550635
Total Assets
$721.09M
Latest filing
Total Deposits
$638.21M
Latest filing
Net Interest Margin
3.66%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Hickory Point Bank and Trust
225 N Water St
Decatur, IL 62523
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/04/1979FDIC Certificate 15985
Branches (8)
Page 1 of 2| 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 |
| VARNA BRANCH | 510 Main St | Varna, 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 |
Showing 7 of 8
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 | 126 |
| Domestic Offices | 9 |
| 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 | 06/04/1979 |
| Primary Insurance Agency | DIF |
| Website | www.hickorypointbank.com |
| Data Updated | 11/14/2025 |
| CERT | 22874 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $721.09M |
| Total Deposits | $638.21M |
| Total Liabilities | $645.23M |
| Total Equity Capital | $75.86M |
| Net Income | $1.88M |
| Net Loans and Leases | $455.18M |
| Assets Per Employee ($Millions) | $5.86M |
| Bank Premises and Fixed Assets | $16.29M |
| Cash and Balances due from Depository Institutions | $41.97M |
| Deposits Held in Domestic Offices | $638.21M |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 10% |
| Net Interest Margin | 3.66% |
| Efficiency Ratio | 70.25% |
| Tier 1 Risk-Based Capital Ratio | 15.092% |
| 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 | 10.52% |
| Earning Assets to total Assets | 93.32% |
Income and Expense
| Total Interest Income | $8.68M |
| Total Noninterest Income | $2.06M |
| Total Interest Expense | $2.45M |
| Total Noninterest Expense | $5.82M |
| Net Interest Income | $6.22M |
| Pre-tax Net Operating Income | $2.46M |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.02M |
| Total Liabilities and Capital | $721.09M |
Securities
| Securities | $179.69M |
| Available-for-sale debt securities | $62.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $117.46M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Hickory Point Bank and Trust?
$721.09M as of the latest filing.
How much are Hickory Point Bank and Trust's total deposits?
$638.21M in total deposits.
Where is Hickory Point Bank and Trust located?
Decatur, IL.
What is the Net Interest Margin?
3.66%.
How many domestic offices does it operate?
9.
When was it established?
06/04/1979.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$455.18M (latest filing).
What is the total interest income (latest filing)?
$8.68M.