Hill-Dodge Banking Co
Warsaw, Illinois · FDIC Cert #9274
Hill-Dodge Banking Co is an FDIC-insured bank (Certificate #9274) with $56M in total assets and $47M in total deposits as of the Q2 2024 Call Report. Headquartered in Warsaw, Illinois, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.08%. BankHealthData assigns a composite Health Grade of C (64/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Hill-Dodge Banking Co (FDIC cert 9274) is a community bank — $56M in total assets, $47M in deposits, serving the Warsaw, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.08% 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 very high: 58.6% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 1.95% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Hill-Dodge Banking Co carries a composite BankHealth grade of C (64/100) 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: Hill-Dodge Banking Co
- Total Assets
- $56M
- Total Deposits
- $47M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.08%
- Liquidity Ratio
- 58.60%
- Return on Assets
- 1.95%
- Headquarters
- Warsaw, Illinois
- FDIC Certificate
- #9274
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Hill-Dodge Banking Co holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Hill-Dodge Banking Co to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Hill-Dodge Banking Co shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Hill-Dodge Banking Co Compares
Hill-Dodge Banking Co’s Health Score of 64 is 8 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.08% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.95% is in line with or above the national ROA benchmark of ~1.1%. Among 626 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Hill-Dodge Banking Co is 6 points below the portfolio average of 70.
Frequently Asked Questions
Hill-Dodge Banking Co has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below 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. Hill-Dodge Banking Co's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.08% indicate an average 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 Hill-Dodge Banking Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9274). 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.
Hill-Dodge Banking Co holds $56M in total assets and $47M in total deposits. It is headquartered in Warsaw, Illinois (FDIC Certificate #9274).
Hill-Dodge Banking Co has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.08%, and the return on assets is 1.95%.
Yes. Hill-Dodge Banking Co is FDIC-insured (Certificate #9274). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Hill-Dodge Banking Co's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.