Updated June 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Illinois

197 banks · Average score: 89/100 · Combined assets $569.6B

197 banks in this state currently hold A grades, averaging a composite score of 89/100. 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 20.77% and an NPL ratio of 0.45%, sourced from the most recent FDIC quarterly Call Report.

197 Illinois banks earn an A grade on the BankHealth composite, with an average score of 89/100. 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 DF

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 197 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	197
Combined assets	$569.6B
Average composite score	89/100
Average Tier 1 capital ratio	20.77%
Average NPL ratio	0.45%

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	First T&Sb of Watseka Il	Watseka	100	$315M	15.62%	0.05%	45.32%
3	Community Bank of Easton	Easton	100	$39M	25.86%	0.00%	50.98%
4	Municipal Trust&Savings Bank	Bourbonnais	100	$357M	16.53%	0.00%	33.43%
5	Chicago Trust Co NA	Lake Forest	100	$126M	99.66%	0.00%	92.27%
6	Country Trust Bank	Bloomington	100	$35M	117.02%	0.00%	76.47%
7	Wheaton College Trust Co NA	Wheaton	100	$4M	95.88%	0.00%	88.72%
8	Farmers&Merchants Stb Bushne	Bushnell	99	$85M	19.54%	0.09%	49.12%
9	Grundy Bank	Morris	99	$354M	18.74%	0.10%	30.10%
10	Hill-Dodge Banking Co	Warsaw	99	$56M	15.78%	0.08%	58.60%
11	Peoples State Bank of Colfax	Colfax	98	$44M	22.16%	0.00%	50.97%
12	First Nb of Steeleville	Steeleville	98	$246M	22.97%	0.34%	48.58%
13	First Eagle Bank	Chicago	98	$563M	21.09%	0.00%	28.74%
14	Farmers State Bank of Emden	Emden	97	$38M	55.89%	0.00%	59.16%
15	First Stb of Campbell Hill	Campbell Hill	97	$155M	20.68%	0.33%	30.78%
16	Anderson State Bank	Oneida	97	$105M	15.81%	0.00%	57.25%
17	First State Bank of St Peter	Saint Peter	97	$30M	39.39%	0.18%	68.46%
18	Vermilion Valley Bank	Piper City	97	$173M	26.91%	0.38%	37.98%
19	Community Bank	Winslow	96	$277M	24.60%	0.20%	28.39%
20	Buena Vista National Bank	Chester	96	$296M	15.38%	0.16%	31.69%
21	Sainte Marie State Bank	Sainte Marie	96	$15M	40.05%	0.00%	52.10%
22	First Security T&Sb	Elmwood Park	96	$355M	17.21%	0.13%	41.88%
23	Citizens Bank of Edinburg	Edinburg	96	$30M	19.74%	0.00%	65.22%
24	First Cmty Bk Moultrie Cnty	Sullivan	96	$113M	18.32%	0.00%	52.99%
25	Farmers&Merchants Nb Nashvil	Nashville	96	$265M	15.84%	0.08%	33.13%
26	Amalgamated Bank of Chicago	Chicago	96	$1.2B	14.98%	0.02%	36.25%
27	Bank&Trust Co	Litchfield	95	$580M	15.82%	0.23%	31.30%
28	State Bank of Industry	Industry	95	$59M	20.75%	0.09%	36.11%
29	First Nb of Nokomis	Nokomis	95	$180M	17.95%	0.14%	39.96%
30	State Bank of Whittington	Benton	95	$175M	14.95%	0.30%	32.01%
31	Heartland Bank&Trust Co	Bloomington	95	$5.0B	14.61%	0.25%	27.58%
32	Heritage Bank of Schaumburg	Schaumburg	95	$142M	23.81%	0.00%	44.90%
33	Southern Illinois Bank	Johnston City	95	$146M	14.90%	0.37%	31.75%
34	Old Exchange Nb of Okawville	Okawville	95	$80M	22.67%	0.08%	55.89%
35	State Bank of Geneva	Geneva	95	$108M	19.60%	0.15%	34.65%
36	Citizens Stb of Milford	Milford	95	$52M	14.58%	0.00%	51.02%
37	Fnbc Bank&Trust	La Grange	94	$556M	17.58%	0.04%	41.36%
38	Bank of Kampsville	Kampsville	94	$121M	36.18%	0.24%	53.12%
39	First State Bank of Dongola	Dongola	94	$31M	19.53%	0.20%	45.97%
40	Home Stb NA	Crystal Lake	94	$727M	18.07%	0.08%	28.30%
41	Citizens Nb of Albion	Albion	94	$340M	23.73%	0.30%	28.46%
42	Mason City National Bank	Mason City	94	$79M	16.39%	0.58%	53.70%
43	North Adams State Bank	Ursa	94	$44M	14.53%	0.29%	41.52%
44	Farmers National Bank	Prophetstown	94	$848M	14.38%	0.31%	41.78%
45	Servbank,sb	Oswego	94	$794M	19.52%	1.02%	70.97%
46	BMO Harris Central NA	Roselle	94	$8M	446.05%	0.00%	97.80%
47	Federated Bank	Onarga	93	$117M	16.34%	0.38%	49.35%
48	First State Bank of Van Orin	Van Orin	93	$44M	24.53%	0.53%	67.93%
49	Anchor State Bank	Anchor	93	$52M	16.60%	0.00%	31.93%
50	Teutopolis State Bank	Teutopolis	93	$333M	13.31%	0.17%	44.68%
51	Peoples Bank&Trust	Pana	93	$604M	15.28%	0.81%	28.22%
52	Community Bank of Elmhurst	Elmhurst	93	$174M	17.15%	0.00%	39.74%
53	First Bank of Manhattan	Manhattan	93	$253M	17.49%	0.05%	41.74%
54	Kinmundy Bank	Kinmundy	93	$65M	19.00%	0.75%	27.60%
55	First Nb of Okawville	Okawville	93	$73M	18.72%	0.00%	64.53%
56	Stillman Banccorp N A	Stillman Valley	93	$588M	22.39%	0.00%	60.82%
57	Rushville State Bank	Rushville	93	$123M	13.82%	0.44%	54.50%
58	First State Bank of Olmsted	Olmsted	92	$73M	16.73%	0.72%	37.10%
59	Farmers&Merchants Bk Hutsonv	Hutsonville	92	$51M	17.61%	0.00%	24.12%
60	Camp Grove State Bank	Camp Grove	92	$63M	18.10%	0.00%	75.38%
61	Citizens State Bank	Lena	92	$410M	14.15%	0.40%	28.94%
62	Oakdale State Bank	Oakdale	92	$26M	13.35%	0.35%	28.53%
63	Longview Community Bank	Mount Pulaski	92	$100M	13.63%	0.24%	29.99%
64	Busey Bank	Champaign	92	$11.9B	15.59%	0.11%	24.84%
65	North Shore Trust&Savings	Waukegan	92	$266M	24.00%	0.00%	40.87%
66	Eureka Savings Bank	La Salle	92	$405M	36.48%	0.84%	36.52%
67	Peru Federal Savings Bank	Peru	92	$199M	33.71%	0.44%	48.85%
68	Cibc Bank USA	Chicago	92	$55.9B	16.43%	1.37%	30.51%
69	First Nb of Sparta	Sparta	92	$103M	27.24%	0.83%	53.50%
70	Philo Exchange Bank	Philo	92	$133M	15.17%	0.43%	33.17%
71	Harvard State Bank	Harvard	92	$305M	14.62%	0.12%	37.42%
72	Northern Trust Co	Chicago	92	$156.3B	12.94%	0.28%	64.69%
73	Apple River State Bank	Apple River	91	$582M	13.80%	0.15%	37.09%
74	Flora Bank&Trust	Flora	91	$116M	14.99%	0.14%	43.12%
75	Liberty Bank for Savings	Chicago	91	$849M	50.40%	0.16%	31.73%
76	First Sb of Hegewisch	Chicago	91	$796M	37.37%	0.05%	48.81%
77	North County Savings Bank	Red Bud	91	$64M	22.46%	0.00%	55.83%
78	Illini State Bank	Oglesby	90	$166M	13.32%	0.18%	29.25%
79	Tompkins State Bank	Avon	90	$292M	14.14%	0.78%	40.48%
80	First Stb of Beecher City	Beecher City	90	$101M	22.93%	0.75%	24.42%
81	Farmers State Bank	Pittsfield	90	$317M	18.40%	0.21%	21.11%
82	Anna State Bank	Anna	90	$104M	13.57%	0.03%	58.45%
83	Liberty Bank	Liberty	90	$123M	17.48%	0.15%	21.40%
84	First Nb in Pinckneyville	Pinckneyville	90	$136M	24.85%	1.15%	54.36%
85	Midland Community Bank	Kincaid	90	$69M	19.87%	1.12%	30.98%
86	Brickyard Bank	Lincolnwood	90	$167M	18.87%	0.00%	23.37%
87	First Robinson Sb NA	Robinson	90	$460M	13.90%	0.47%	41.02%
88	Washington Savings Bank	Effingham	90	$579M	18.94%	0.38%	33.37%
89	Dewitt Savings Bank	Clinton	90	$144M	21.32%	0.26%	35.41%
90	Chester National Bank	Chester	90	$77M	17.13%	0.00%	24.88%
91	First Trust Bank of Illinois	Kankakee	90	$360M	15.69%	0.99%	50.83%
92	Lemont National Bank	Lemont	90	$55M	23.65%	0.00%	84.09%
93	Cornerstone Nb&T Co	Palatine	90	$985M	12.55%	0.15%	34.05%
94	Belmont Bank&Trust Co	Chicago	90	$924M	16.57%	0.44%	23.58%
95	Ipava State Bank	Ipava	89	$203M	13.92%	0.23%	27.19%
96	Farmers Stb of Western Il	Alpha	89	$158M	13.74%	0.47%	50.42%
97	Fairview State Banking Co	Fairview	89	$37M	13.65%	0.77%	31.53%
98	Germantown T&Sb	Breese	89	$473M	11.53%	0.00%	41.72%
99	Williamsville State B&T	Williamsville	89	$98M	34.47%	0.99%	48.11%
100	Algonquin State Bank	Algonquin	89	$144M	13.07%	0.08%	41.17%
101	Farmers State Bank of Medora	Medora	89	$22M	30.64%	0.53%	64.73%
102	First Nb in Taylorville	Taylorville	89	$194M	13.19%	0.25%	59.37%
103	Peoples Bk of Kankakee Cnty	Bourbonnais	89	$327M	13.69%	0.00%	49.22%
104	First Secure State Bank	Wonder Lake	89	$286M	17.48%	0.87%	32.29%
105	Collinsville Bldg&La	Collinsville	89	$123M	27.81%	0.00%	26.87%
106	Atlanta National Bank	Atlanta	89	$72M	22.79%	0.58%	57.07%
107	First Nb of Brownstown	Brownstown	89	$55M	22.40%	1.15%	59.80%
108	Villa Grove State Bank	Villa Grove	89	$82M	11.60%	0.00%	32.25%
109	North Central Bank	Hennepin	88	$158M	12.07%	0.09%	39.72%
110	Peoples Bank of Macon	Macon	88	$26M	12.05%	0.00%	75.39%
111	First FSB Champaign Urbana	Champaign	88	$193M	10.80%	0.09%	43.76%
112	Time Bank	Park Ridge	88	$463M	15.77%	0.38%	20.41%
113	Signature Bank	Rosemont	88	$2.0B	14.50%	1.72%	37.38%
114	State Bank of Toulon	Toulon	87	$318M	12.12%	0.12%	29.50%
115	La Salle State Bank	La Salle	87	$167M	17.42%	0.90%	51.41%
116	Table Grove State Bank	Table Grove	87	$45M	13.23%	0.04%	32.39%
117	Prairie State Bank&Trust	Springfield	87	$803M	12.14%	0.22%	34.71%
118	Beardstown Savings S B	Beardstown	87	$66M	20.03%	1.18%	35.28%
119	Community Partners Sb	Salem	87	$248M	20.66%	0.84%	42.98%
120	First Nb of Litchfield	Litchfield	87	$127M	15.89%	0.13%	21.92%
121	Gerber State Bank	Argenta	87	$87M	22.85%	1.58%	51.27%
122	Town&Country Bank Midwest	Quincy	86	$214M	12.94%	0.39%	23.58%
123	Gifford State Bank	Gifford	86	$188M	11.65%	0.22%	26.26%
124	Buckley State Bank	Buckley	86	$50M	11.14%	0.01%	30.53%
125	Marseilles Bank	Marseilles	86	$75M	16.94%	0.82%	55.81%
126	Bank of O Fallon	O'fallon	86	$342M	22.52%	0.69%	20.26%
127	Hickory Point Bank&Trust	Decatur	86	$824M	13.12%	0.69%	37.02%
128	Hoyne Savings Bank	Chicago	86	$442M	20.63%	0.68%	45.82%
129	First National Bank&Trust Co	Clinton	86	$381M	13.00%	0.06%	58.15%
130	Hometown National Bank	La Salle	86	$309M	16.42%	1.64%	45.99%
131	Scott State Bank	Bethany	86	$204M	12.91%	0.56%	43.53%
132	Alliance Community Bank	Petersburg	86	$406M	13.20%	0.57%	37.09%
133	Dewey Bank	Dewey	85	$29M	11.68%	0.00%	28.24%
134	Du Quoin State Bank	Du Quoin	85	$129M	25.84%	1.82%	63.02%
135	Bank of Bluffs	Bluffs	85	$59M	13.83%	1.00%	32.80%
136	Bank of Stronghurst	Stronghurst	85	$84M	13.86%	0.61%	50.79%
137	Better Banks	Peoria	85	$461M	12.67%	0.58%	34.99%
138	Morton Community Bank	Morton	85	$5.5B	12.12%	0.75%	31.10%
139	First Fs&la of Cntl Il S B	Shelbyville	85	$203M	13.82%	0.58%	22.51%
140	1st Equity Bank	Skokie	85	$123M	20.32%	0.00%	15.42%
141	First National Bank of Ava	Ava	85	$72M	21.47%	1.69%	47.33%
142	State Bank of St Jacob	Saint Jacob	85	$86M	14.82%	1.90%	32.05%
143	Peoplefirst Bank	Joliet	85	$268M	14.39%	1.19%	26.55%
144	Campus State Bank	Campus	84	$26M	10.41%	0.00%	36.40%
145	Clay City Banking Co	Clay City	84	$216M	14.28%	0.56%	23.53%
146	Bank of Herrin	Herrin	84	$329M	12.05%	0.64%	35.14%
147	Warren-Boynton State Bank	New Berlin	84	$248M	16.07%	0.41%	19.93%
148	First Bankers Trust Co NA	Quincy	84	$1.1B	14.99%	1.68%	39.28%
149	Albany B&T Co NA	Chicago	84	$711M	16.27%	0.06%	18.34%
150	First Nations Bank	Chicago	84	$533M	15.19%	0.00%	18.52%
151	Lisle Savings Bank	Lisle	84	$552M	24.63%	1.67%	37.23%
152	American Community B&T	Woodstock	84	$1.1B	10.28%	0.24%	34.48%
153	First National Bank of Lacon	Lacon	84	$101M	11.99%	0.62%	38.97%
154	Dieterich Bank	Effingham	84	$1.5B	11.51%	0.24%	36.12%
155	Litchfield National Bank	Litchfield	84	$128M	15.06%	1.49%	37.63%
156	City Nb of Metropolis	Metropolis	84	$440M	23.79%	1.79%	46.54%
157	Holcomb Bank	Rochelle	84	$310M	11.20%	0.00%	28.67%
158	State Bank of Graymont	Graymont	83	$318M	10.67%	0.06%	37.23%
159	Farmers State Bank&Trust Co	Mount Sterling	83	$126M	11.65%	0.05%	24.49%
160	Central Bank Illinois	Geneseo	83	$1.4B	9.75%	0.04%	29.34%
161	Peoples Stb of Newton Il	Newton	83	$683M	10.61%	0.30%	28.57%
162	Iroquois Farmers State Bank	Iroquois	83	$158M	11.72%	0.50%	32.43%
163	Spring Valley City Bank	Spring Valley	83	$209M	22.77%	1.90%	32.71%
164	Jersey State Bank	Jerseyville	83	$167M	14.07%	1.77%	46.79%
165	Lena State Bank	Lena	83	$98M	11.62%	0.56%	28.34%
166	Milledgeville State Bank	Milledgeville	83	$180M	16.05%	2.33%	33.90%
167	BMO Bank National Assn	Chicago	83	$262.0B	12.41%	1.14%	33.38%
168	Security Bank S B	Springfield	83	$219M	16.17%	1.85%	45.74%
169	Streator Home Savings Bank	Streator	83	$163M	26.39%	1.50%	73.61%
170	First FSB of Mascoutah	Mascoutah	83	$178M	16.39%	0.63%	22.06%
171	First Nb of Assumption	Assumption	83	$24M	11.06%	0.63%	71.68%
172	Union Nb&T Co of Elgin	Elgin	83	$354M	18.03%	0.00%	13.16%
173	Grand Ridge National Bank	Wheaton	83	$375M	13.00%	0.14%	18.80%
174	First Nb of Waterloo	Waterloo	83	$918M	12.62%	0.77%	34.93%
175	Farmers Stb of Hoffman	Hoffman	83	$219M	11.92%	0.26%	46.15%
176	First National Bank in Amboy	Amboy	82	$301M	10.24%	0.00%	59.89%
177	Marquette Bank	Chicago	82	$2.1B	13.40%	0.60%	26.14%
178	First Stb Shannon-Polo	Shannon	82	$194M	13.38%	1.54%	41.81%
179	Bankchampaign National Assn	Champaign	82	$220M	14.52%	0.04%	15.51%
180	Old Second National Bank	Aurora	82	$5.7B	13.50%	1.18%	22.87%
181	First Nb of Beardstown	Beardstown	82	$173M	9.22%	0.34%	40.01%
182	State Bank of Davis	Davis	82	$177M	11.13%	0.77%	37.51%
183	Legence Bank	Eldorado	81	$636M	13.00%	1.30%	25.94%
184	Fisher National Bank	Fisher	81	$343M	12.97%	0.37%	21.00%
185	Community Nb in Monmouth	Monmouth	81	$52M	12.68%	1.49%	40.14%
186	Nashville Savings Bank	Nashville	81	$98M	11.99%	0.00%	21.06%
187	Wheaton B&T NA	Wheaton	81	$3.5B	10.52%	0.26%	24.81%
188	Prairie Community Bank	Marengo	81	$167M	13.36%	1.00%	26.99%
189	First Cmty Bank Xenia-Flora	Xenia	81	$56M	10.33%	0.73%	38.75%
190	Bank of Calhoun County	Hardin	80	$98M	8.77%	0.00%	48.80%
191	Granville National Bank	Granville	80	$110M	10.45%	0.43%	55.06%
192	Blackhawk Bank&Trust	Milan	80	$1.8B	9.91%	0.33%	43.28%
193	Bank of Bourbonnais	Bourbonnais	80	$80M	16.01%	0.11%	16.83%
194	Lake Forest B&T Co NA	Lake Forest	80	$8.6B	11.12%	0.12%	21.19%
195	First Nb of Arenzville	Arenzville	80	$137M	10.18%	0.00%	25.76%
196	First National Bank of Carmi	Carmi	80	$600M	12.89%	0.26%	19.39%
197	Gold Coast Bank	Chicago	80	$445M	12.84%	0.52%	19.01%

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 197 A-graded banks in Illinois, the average Tier 1 capital ratio is 20.77% and the average nonperforming-loan ratio is 0.45%. Combined assets in this cohort total $569.6B. 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 2026-06-29 · 197 A-graded banks in Illinois. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.