Is Hickory Point Bank&Trust Safe?
Hickory Point Bank&Trust has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (56/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.12% | 86/100 |
| Nonperforming Loan Ratio | 0.69% | 86/100 |
| Liquidity Ratio | 37.02% | 100/100 |
| Return on Assets | 0.91% | 56/100 |
| Total Assets | $0.8B | |
How does Hickory Point Bank&Trust compare?
With a Bank Health Score of 86/100, Hickory Point Bank&Trust sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Hickory Point Bank&Trust ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 13.12% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.69% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Hickory Point Bank&Trust's Bank Health Score fell by 5.0 points to 86/100. Tier 1 capital was essentially flat at 13.12%. Quarter-over-quarter, the score rose by 1.0 points.
Hickory Point Bank&Trust has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (56/100).