Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Illinois

133 banks · Average score: 90/100 · Combined assets $551.7B

133 banks in this state currently hold A grades, averaging a composite score of 90/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 22.68% and an NPL ratio of 0.49%, sourced from the most recent FDIC quarterly Call Report.

133 Illinois banks earn an A grade on the BankHealth composite, with an average score of 90/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Illinois A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in Illinois are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 133 banks chartered in Illinois qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Illinois

Banks in this grade tier	133
Combined assets	$551.7B
Average composite score	90/100
Average Tier 1 capital ratio	22.68%
Average NPL ratio	0.49%

All A-Graded Banks in Illinois

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Frederick Community Bank The	Paxton	100	$179M	18.22%	0.00%	49.17%
2	Country Trust Bank	Bloomington	100	$35M	117.02%	0.00%	76.47%
3	Farmers&Merchants Stb Bushne	Bushnell	99	$85M	19.54%	0.09%	49.12%
4	Grundy Bank	Morris	99	$354M	18.74%	0.10%	30.10%
5	Peoples State Bank of Colfax	Colfax	98	$44M	22.16%	0.00%	50.97%
6	First Nb of Steeleville	Steeleville	98	$246M	22.97%	0.34%	48.58%
7	Farmers State Bank of Emden	Emden	97	$38M	55.89%	0.00%	59.16%
8	First Stb of Campbell Hill	Campbell Hill	97	$155M	20.68%	0.33%	30.78%
9	First State Bank of St Peter	Saint Peter	97	$30M	39.39%	0.18%	68.46%
10	Vermilion Valley Bank	Piper City	97	$173M	26.91%	0.38%	37.98%
11	Community Bank	Winslow	96	$277M	24.60%	0.20%	28.39%
12	Buena Vista National Bank	Chester	96	$296M	15.38%	0.16%	31.69%
13	Sainte Marie State Bank	Sainte Marie	96	$15M	40.05%	0.00%	52.10%
14	First Security T&Sb	Elmwood Park	96	$355M	17.21%	0.13%	41.88%
15	Citizens Bank of Edinburg	Edinburg	96	$30M	19.74%	0.00%	65.22%
16	First Cmty Bk Moultrie Cnty	Sullivan	96	$113M	18.32%	0.00%	52.99%
17	Farmers&Merchants Nb Nashvil	Nashville	96	$265M	15.84%	0.08%	33.13%
18	Amalgamated Bank of Chicago	Chicago	96	$1.2B	14.98%	0.02%	36.25%
19	Bank&Trust Co	Litchfield	95	$580M	15.82%	0.23%	31.30%
20	State Bank of Industry	Industry	95	$59M	20.75%	0.09%	36.11%
21	First Nb of Nokomis	Nokomis	95	$180M	17.95%	0.14%	39.96%
22	State Bank of Whittington	Benton	95	$175M	14.95%	0.30%	32.01%
23	Heartland Bank&Trust Co	Bloomington	95	$5.0B	14.61%	0.25%	27.58%
24	Heritage Bank of Schaumburg	Schaumburg	95	$142M	23.81%	0.00%	44.90%
25	Old Exchange Nb of Okawville	Okawville	95	$80M	22.67%	0.08%	55.89%
26	State Bank of Geneva	Geneva	95	$108M	19.60%	0.15%	34.65%
27	Citizens Stb of Milford	Milford	95	$52M	14.58%	0.00%	51.02%
28	Fnbc Bank&Trust	La Grange	94	$556M	17.58%	0.04%	41.36%
29	Bank of Kampsville	Kampsville	94	$121M	36.18%	0.24%	53.12%
30	First State Bank of Dongola	Dongola	94	$31M	19.53%	0.20%	45.97%
31	Home Stb NA	Crystal Lake	94	$727M	18.07%	0.08%	28.30%
32	Citizens Nb of Albion	Albion	94	$340M	23.73%	0.30%	28.46%
33	BMO Harris Central NA	Roselle	94	$8M	446.05%	0.00%	97.80%
34	Federated Bank	Onarga	93	$117M	16.34%	0.38%	49.35%
35	First State Bank of Van Orin	Van Orin	93	$44M	24.53%	0.53%	67.93%
36	Anchor State Bank	Anchor	93	$52M	16.60%	0.00%	31.93%
37	Peoples Bank&Trust	Pana	93	$604M	15.28%	0.81%	28.22%
38	Community Bank of Elmhurst	Elmhurst	93	$174M	17.15%	0.00%	39.74%
39	First Bank of Manhattan	Manhattan	93	$253M	17.49%	0.05%	41.74%
40	Kinmundy Bank	Kinmundy	93	$65M	19.00%	0.75%	27.60%
41	First Nb of Okawville	Okawville	93	$73M	18.72%	0.00%	64.53%
42	Stillman Banccorp N A	Stillman Valley	93	$588M	22.39%	0.00%	60.82%
43	First State Bank of Olmsted	Olmsted	92	$73M	16.73%	0.72%	37.10%
44	Camp Grove State Bank	Camp Grove	92	$63M	18.10%	0.00%	75.38%
45	Citizens State Bank	Lena	92	$410M	14.15%	0.40%	28.94%
46	Longview Community Bank	Mount Pulaski	92	$100M	13.63%	0.24%	29.99%
47	Busey Bank	Champaign	92	$11.9B	15.59%	0.11%	24.84%
48	Eureka Savings Bank	La Salle	92	$405M	36.48%	0.84%	36.52%
49	Peru Federal Savings Bank	Peru	92	$199M	33.71%	0.44%	48.85%
50	Cibc Bank USA	Chicago	92	$55.9B	16.43%	1.37%	30.51%
51	First Nb of Sparta	Sparta	92	$103M	27.24%	0.83%	53.50%
52	Philo Exchange Bank	Philo	92	$133M	15.17%	0.43%	33.17%
53	Harvard State Bank	Harvard	92	$305M	14.62%	0.12%	37.42%
54	Northern Trust Co	Chicago	92	$156.3B	12.94%	0.28%	64.69%
55	Apple River State Bank	Apple River	91	$582M	13.80%	0.15%	37.09%
56	Flora Bank&Trust	Flora	91	$116M	14.99%	0.14%	43.12%
57	Liberty Bank for Savings	Chicago	91	$849M	50.40%	0.16%	31.73%
58	First Sb of Hegewisch	Chicago	91	$796M	37.37%	0.05%	48.81%
59	North County Savings Bank	Red Bud	91	$64M	22.46%	0.00%	55.83%
60	Tompkins State Bank	Avon	90	$292M	14.14%	0.78%	40.48%
61	First Stb of Beecher City	Beecher City	90	$101M	22.93%	0.75%	24.42%
62	Farmers State Bank	Pittsfield	90	$317M	18.40%	0.21%	21.11%
63	Liberty Bank	Liberty	90	$123M	17.48%	0.15%	21.40%
64	First Nb in Pinckneyville	Pinckneyville	90	$136M	24.85%	1.15%	54.36%
65	Midland Community Bank	Kincaid	90	$69M	19.87%	1.12%	30.98%
66	Brickyard Bank	Lincolnwood	90	$167M	18.87%	0.00%	23.37%
67	First Robinson Sb NA	Robinson	90	$460M	13.90%	0.47%	41.02%
68	Washington Savings Bank	Effingham	90	$579M	18.94%	0.38%	33.37%
69	Dewitt Savings Bank	Clinton	90	$144M	21.32%	0.26%	35.41%
70	Chester National Bank	Chester	90	$77M	17.13%	0.00%	24.88%
71	First Trust Bank of Illinois	Kankakee	90	$360M	15.69%	0.99%	50.83%
72	Lemont National Bank	Lemont	90	$55M	23.65%	0.00%	84.09%
73	Cornerstone Nb&T Co	Palatine	90	$985M	12.55%	0.15%	34.05%
74	Belmont Bank&Trust Co	Chicago	90	$924M	16.57%	0.44%	23.58%
75	Ipava State Bank	Ipava	89	$203M	13.92%	0.23%	27.19%
76	Williamsville State B&T	Williamsville	89	$98M	34.47%	0.99%	48.11%
77	Farmers State Bank of Medora	Medora	89	$22M	30.64%	0.53%	64.73%
78	Peoples Bk of Kankakee Cnty	Bourbonnais	89	$327M	13.69%	0.00%	49.22%
79	First Secure State Bank	Wonder Lake	89	$286M	17.48%	0.87%	32.29%
80	Atlanta National Bank	Atlanta	89	$72M	22.79%	0.58%	57.07%
81	First Nb of Brownstown	Brownstown	89	$55M	22.40%	1.15%	59.80%
82	First National Bank&Trust Co	Clinton	88	$397M	13.75%	0.06%	61.21%
83	Signature Bank	Rosemont	88	$2.0B	14.50%	1.72%	37.38%
84	State Bank of Toulon	Toulon	87	$318M	12.12%	0.12%	29.50%
85	La Salle State Bank	La Salle	87	$167M	17.42%	0.90%	51.41%
86	Beardstown Savings S B	Beardstown	87	$66M	20.03%	1.18%	35.28%
87	Community Partners Sb	Salem	87	$248M	20.66%	0.84%	42.98%
88	First Nb of Litchfield	Litchfield	87	$127M	15.89%	0.13%	21.92%
89	Gerber State Bank	Argenta	87	$87M	22.85%	1.58%	51.27%
90	Marseilles Bank	Marseilles	86	$75M	16.94%	0.82%	55.81%
91	Bank of O Fallon	O'fallon	86	$342M	22.52%	0.69%	20.26%
92	Hickory Point Bank&Trust	Decatur	86	$824M	13.12%	0.69%	37.02%
93	Hometown National Bank	La Salle	86	$309M	16.42%	1.64%	45.99%
94	Alliance Community Bank	Petersburg	86	$406M	13.20%	0.57%	37.09%
95	Dewey Bank	Dewey	85	$29M	11.68%	0.00%	28.24%
96	Du Quoin State Bank	Du Quoin	85	$129M	25.84%	1.82%	63.02%
97	Better Banks	Peoria	85	$461M	12.67%	0.58%	34.99%
98	Morton Community Bank	Morton	85	$5.5B	12.12%	0.75%	31.10%
99	First Fs&la of Cntl Il S B	Shelbyville	85	$203M	13.82%	0.58%	22.51%
100	1st Equity Bank	Skokie	85	$123M	20.32%	0.00%	15.42%
101	First National Bank of Ava	Ava	85	$72M	21.47%	1.69%	47.33%
102	Peoplefirst Bank	Joliet	85	$268M	14.39%	1.19%	26.55%
103	Clay City Banking Co	Clay City	84	$216M	14.28%	0.56%	23.53%
104	Bank of Herrin	Herrin	84	$329M	12.05%	0.64%	35.14%
105	Warren-Boynton State Bank	New Berlin	84	$248M	16.07%	0.41%	19.93%
106	First Bankers Trust Co NA	Quincy	84	$1.1B	14.99%	1.68%	39.28%
107	First Nations Bank	Chicago	84	$533M	15.19%	0.00%	18.52%
108	First National Bank of Lacon	Lacon	84	$101M	11.99%	0.62%	38.97%
109	Dieterich Bank	Effingham	84	$1.5B	11.51%	0.24%	36.12%
110	Litchfield National Bank	Litchfield	84	$128M	15.06%	1.49%	37.63%
111	City Nb of Metropolis	Metropolis	84	$440M	23.79%	1.79%	46.54%
112	Holcomb Bank	Rochelle	84	$310M	11.20%	0.00%	28.67%
113	Farmers State Bank&Trust Co	Mount Sterling	83	$126M	11.65%	0.05%	24.49%
114	Iroquois Farmers State Bank	Iroquois	83	$158M	11.72%	0.50%	32.43%
115	Spring Valley City Bank	Spring Valley	83	$209M	22.77%	1.90%	32.71%
116	Milledgeville State Bank	Milledgeville	83	$180M	16.05%	2.33%	33.90%
117	BMO Bank National Assn	Chicago	83	$262.0B	12.41%	1.14%	33.38%
118	Security Bank S B	Springfield	83	$219M	16.17%	1.85%	45.74%
119	First FSB of Mascoutah	Mascoutah	83	$178M	16.39%	0.63%	22.06%
120	Union Nb&T Co of Elgin	Elgin	83	$354M	18.03%	0.00%	13.16%
121	First Nb of Waterloo	Waterloo	83	$918M	12.62%	0.77%	34.93%
122	Marquette Bank	Chicago	82	$2.1B	13.40%	0.60%	26.14%
123	First Stb Shannon-Polo	Shannon	82	$194M	13.38%	1.54%	41.81%
124	Bankchampaign National Assn	Champaign	82	$220M	14.52%	0.04%	15.51%
125	Old Second National Bank	Aurora	82	$5.7B	13.50%	1.18%	22.87%
126	Legence Bank	Eldorado	81	$636M	13.00%	1.30%	25.94%
127	Fisher National Bank	Fisher	81	$343M	12.97%	0.37%	21.00%
128	Wheaton B&T NA	Wheaton	81	$3.5B	10.52%	0.26%	24.81%
129	Prairie Community Bank	Marengo	81	$167M	13.36%	1.00%	26.99%
130	Bank of Bourbonnais	Bourbonnais	80	$80M	16.01%	0.11%	16.83%
131	Lake Forest B&T Co NA	Lake Forest	80	$8.6B	11.12%	0.12%	21.19%
132	First Nb of Arenzville	Arenzville	80	$137M	10.18%	0.00%	25.76%
133	First National Bank of Carmi	Carmi	80	$600M	12.89%	0.26%	19.39%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Illinois?

What does this tier look like financially?

Across 133 A-graded banks in Illinois, the average Tier 1 capital ratio is 22.68% and the average nonperforming-loan ratio is 0.49%. Combined assets in this cohort total $551.7B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Illinois →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-04-06 · 133 A-graded banks in Illinois. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.