Bank of Belleville
Belleville, Illinois · FDIC Cert #58114
This is the FDIC profile for Bank of Belleville, an FDIC-insured bank (Certificate #58114) with $473M in total assets and $387M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Belleville, Illinois, the bank maintains a Tier 1 capital ratio of 10.48% (Well-Capitalized) and a nonperforming loan ratio of 0.10%. BankHealthData assigns a composite Health Grade of B (73/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Belleville (FDIC cert 58114) is a community bank — $473M in total assets, $387M in deposits, serving the Belleville, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.48% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.10% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 21.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.44% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank of Belleville carries a composite BankHealth grade of B (73/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Belleville
- Total Assets
- $473M
- Total Deposits
- $387M
- Tier 1 Capital Ratio
- 10.48%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.10%
- Liquidity Ratio
- 21.61%
- Return on Assets
- 0.44%
- Headquarters
- Belleville, Illinois
- FDIC Certificate
- #58114
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bank of Belleville files quarterly Call Reports with the FDIC under Certificate #58114. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bank of Belleville holds a Tier 1 capital ratio of 10.48%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Belleville has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Belleville shows strong financial health indicators. With $473M in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Belleville Compares
Bank of Belleville’s Health Score of 73 is 8 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its 10.48% Tier 1 capital ratio is 3.5 points below the US banking industry average near 14%. The 0.10% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.44% is below the national ROA benchmark of ~1.1%. Among 1475 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Bank of Belleville is 7 points below the portfolio average of 80.
Frequently Asked Questions
Bank of Belleville has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.48%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Belleville's Tier 1 capital ratio of 10.48% and nonperforming loan ratio of 0.10% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Belleville is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58114). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Belleville holds $473M in total assets and $387M in total deposits. It is headquartered in Belleville, Illinois (FDIC Certificate #58114).
Bank of Belleville's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #58114 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bank of Belleville has a Tier 1 capital ratio of 10.48%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.10%, and the return on assets is 0.44%.
Yes. Bank of Belleville is FDIC-insured (Certificate #58114). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Belleville's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.