Updated June 2026 · FDIC Call Report Q2 2024
B-Rated Banks in Illinois
104 banks · Average score: 73/100 · Combined assets $107.3B
104 banks in this state currently hold B grades, averaging a composite score of 73/100. 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 13.13% and an NPL ratio of 1.17%, sourced from the most recent FDIC quarterly Call Report.
104 Illinois banks hold a B grade (73/100 average score). B-grade banks sit comfortably above the national median across most factors but lack the cushion of A-grade peers on one or more dimensions.
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 B-grade banks by health score with links to each bank's full profile.
What "B" Means in Practice
B-graded banks in Illinois are healthy mid-tier institutions — composite scores of 65–79. Currently 104 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.
For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.
Tier-Wide Snapshot in Illinois
| Banks in this grade tier | 104 |
| Combined assets | $107.3B |
| Average composite score | 73/100 |
| Average Tier 1 capital ratio | 13.13% |
| Average NPL ratio | 1.17% |
All B-Graded Banks in Illinois
| # | Bank | City | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Bankorion | Orion | 79 | $650M | 10.06% | 0.32% | 36.38% |
| 2 | First National Bank in Olney | Olney | 79 | $452M | 10.55% | 0.99% | 43.60% |
| 3 | 1nb Bank | Carlyle | 79 | $292M | 9.51% | 0.24% | 39.58% |
| 4 | Byline Bank | Chicago | 79 | $9.6B | 12.24% | 0.92% | 22.11% |
| 5 | Mchenry Savings Bank | Mchenry | 79 | $324M | 11.63% | 0.09% | 22.89% |
| 6 | Village B&T NA | Arlington Height | 79 | $2.9B | 11.06% | 0.24% | 21.04% |
| 7 | American Metro Bank | Chicago | 79 | $93M | 18.49% | 0.00% | 13.79% |
| 8 | Resource Bank National Assn | Dekalb | 79 | $825M | 12.05% | 1.48% | 36.47% |
| 9 | First Mid B&T NA | Mattoon | 79 | $7.5B | 13.50% | 0.32% | 17.91% |
| 10 | Northbrook B&T Co NA | Northbrook | 79 | $5.0B | 10.73% | 0.53% | 25.23% |
| 11 | Town Center Bank | Frankfort | 79 | $154M | 12.63% | 0.00% | 17.70% |
| 12 | Old Plank Trail Cmty Bank NA | New Lenox | 79 | $2.8B | 10.67% | 0.45% | 26.23% |
| 13 | Bank of Hillsboro NA | Hillsboro | 78 | $599M | 9.36% | 0.19% | 31.58% |
| 14 | Bank of Pontiac | Pontiac | 78 | $1.1B | 11.55% | 0.25% | 20.44% |
| 15 | Bank of Gibson City | Gibson City | 78 | $141M | 10.51% | 0.38% | 25.98% |
| 16 | Fcb Banks | Collinsville | 78 | $2.4B | 12.05% | 0.28% | 21.63% |
| 17 | First National Bank of Pana | Pana | 78 | $318M | 10.89% | 0.08% | 20.30% |
| 18 | First Nb of Raymond | Raymond | 78 | $172M | 11.16% | 1.09% | 50.61% |
| 19 | Clay County State Bank | Louisville | 77 | $103M | 12.73% | 2.15% | 53.50% |
| 20 | Murphy-Wall State B&T Co | Pinckneyville | 77 | $178M | 10.97% | 1.48% | 32.29% |
| 21 | Goodfield State Bank | Goodfield | 77 | $208M | 14.07% | 0.72% | 14.12% |
| 22 | Itasca Bank&Trust Co | Itasca | 77 | $748M | 9.79% | 0.21% | 25.47% |
| 23 | Republic Bank of Chicago | Oak Brook | 77 | $2.8B | 14.43% | 2.82% | 28.69% |
| 24 | Community Stb of Rock Falls | Rock Falls | 77 | $325M | 17.98% | 3.10% | 32.85% |
| 25 | Hinsdale B&T Co NA | Hinsdale | 77 | $5.3B | 10.70% | 0.35% | 20.79% |
| 26 | Libertyville B&T Co NA | Libertyville | 77 | $2.7B | 11.01% | 0.15% | 18.59% |
| 27 | Bradford Nb of Greenville | Greenville | 77 | $609M | 11.86% | 1.82% | 52.26% |
| 28 | Community 1st Bk Heartland | Mount Vernon | 77 | $254M | 11.99% | 0.23% | 16.65% |
| 29 | Providence Bank&Trust | South Holland | 77 | $1.6B | 10.13% | 0.63% | 27.50% |
| 30 | State Bank of Herscher | Herscher | 76 | $158M | 13.03% | 2.33% | 46.51% |
| 31 | Shelby County State Bank | Shelbyville | 76 | $343M | 9.49% | 0.40% | 27.02% |
| 32 | Bank of Farmington | Farmington | 76 | $230M | 13.00% | 0.66% | 21.96% |
| 33 | First Nb of Allendale | Allendale | 76 | $391M | 9.08% | 0.65% | 29.47% |
| 34 | State Street Bank&Trust Co | Quincy | 76 | $322M | 10.94% | 0.23% | 19.58% |
| 35 | North Side Fs&la of Chicago | Chicago | 76 | $43M | 19.71% | 1.98% | 25.61% |
| 36 | Milford Building&Loan Assn | Milford | 76 | $29M | 23.07% | 2.85% | 35.02% |
| 37 | Crystal Lake B&T Co NA | Crystal Lake | 76 | $1.8B | 10.60% | 0.17% | 19.16% |
| 38 | First Cmty Bank of Hillsboro | Hillsboro | 76 | $152M | 9.55% | 0.45% | 49.06% |
| 39 | United Trust Bank | Palos Heights | 76 | $156M | 15.56% | 0.26% | 12.87% |
| 40 | Great Rivers Bank | Barry | 76 | $167M | 12.60% | 0.04% | 15.38% |
| 41 | Schaumburg B&T Co NA | Schaumburg | 76 | $2.2B | 10.78% | 0.15% | 19.46% |
| 42 | Petefish Skiles&Co | Virginia | 75 | $309M | 9.14% | 0.20% | 24.97% |
| 43 | 1st Community Bank | Sherrard | 75 | $66M | 10.17% | 1.42% | 31.06% |
| 44 | Forest Park Nb&T Co | Forest Park | 75 | $309M | 11.09% | 0.37% | 22.95% |
| 45 | State Bank of Pearl City | Pearl City | 75 | $88M | 9.18% | 0.53% | 58.31% |
| 46 | Burling Bank | Chicago | 75 | $236M | 11.60% | 1.05% | 20.86% |
| 47 | Midamerica National Bank | Canton | 75 | $644M | 9.58% | 0.69% | 26.82% |
| 48 | Cnb Bank&Trust N A | Carlinville | 75 | $1.7B | 11.10% | 1.06% | 25.20% |
| 49 | Byron Bank | Byron | 75 | $364M | 10.36% | 1.07% | 35.02% |
| 50 | Peoples Nb of Kewanee | Kewanee | 75 | $556M | 14.24% | 2.98% | 66.19% |
| 51 | Raritan State Bank | Raritan | 74 | $252M | 10.51% | 1.39% | 29.17% |
| 52 | Middletown State Bank | Middletown | 74 | $41M | 9.32% | 0.00% | 19.34% |
| 53 | Waterman Bank | Waterman | 74 | $152M | 18.01% | 1.00% | 13.84% |
| 54 | State Bank of Cherry | Cherry | 74 | $122M | 12.02% | 0.80% | 18.00% |
| 55 | Hartsburg State Bank | Hartsburg | 74 | $17M | 12.60% | 1.64% | 55.44% |
| 56 | Flanagan State Bank | Flanagan | 74 | $293M | 9.00% | 0.63% | 38.49% |
| 57 | Devon Bank | Chicago | 74 | $517M | 9.18% | 0.25% | 47.56% |
| 58 | Central Savings FSB | Chicago | 74 | $112M | 32.71% | 0.46% | 11.05% |
| 59 | Midland Fs&La | Bridgeview | 74 | $115M | 47.00% | 3.18% | 76.94% |
| 60 | International Bk of Chicago | Chicago | 74 | $1.0B | 15.63% | 1.38% | 17.51% |
| 61 | Beverly B&T Co NA | Chicago | 74 | $2.5B | 11.07% | 0.32% | 16.65% |
| 62 | Fwbank | Chicago | 74 | $161M | 16.38% | 2.31% | 27.10% |
| 63 | First Bank Chicago | Highland Park | 73 | $1.9B | 10.16% | 0.86% | 32.01% |
| 64 | Lakeside Bank | Chicago | 73 | $2.6B | 12.32% | 0.29% | 15.39% |
| 65 | Northside Community Bank | Gurnee | 73 | $263M | 21.09% | 0.00% | 8.33% |
| 66 | Sauk Valley Bank&Trust Co | Sterling | 73 | $671M | 11.15% | 1.24% | 25.19% |
| 67 | Bank of Belleville | Belleville | 73 | $473M | 10.48% | 0.10% | 21.61% |
| 68 | Parkway Bank&Trust Co | Harwood Heights | 72 | $3.5B | 12.11% | 1.40% | 21.41% |
| 69 | St Charles B&T Co NA | Saint Charles | 72 | $2.8B | 10.54% | 0.92% | 19.10% |
| 70 | Union Fs&La | Kewanee | 72 | $151M | 15.40% | 0.31% | 11.58% |
| 71 | Central Fs&La | Cicero | 72 | $197M | 10.02% | 1.03% | 31.18% |
| 72 | State Bank of the Lakes NA | Antioch | 72 | $2.1B | 10.79% | 0.21% | 15.34% |
| 73 | West Central Bank | Ashland | 71 | $247M | 10.36% | 0.99% | 22.72% |
| 74 | First Community Bank&Trust | Beecher | 71 | $208M | 12.63% | 3.60% | 44.25% |
| 75 | Gn Bank | Chicago | 71 | $65M | 14.36% | 3.50% | 36.83% |
| 76 | Anna Jonesboro National Bank | Anna | 71 | $239M | 30.39% | 4.25% | 56.39% |
| 77 | Princeville State Bank | Princeville | 70 | $113M | 9.56% | 1.38% | 42.24% |
| 78 | Bankfinancial National Assn | Olympia Fields | 70 | $1.5B | 11.32% | 2.09% | 27.40% |
| 79 | Iroquois Fs&La | Watseka | 70 | $888M | 9.23% | 0.03% | 22.56% |
| 80 | Evergreen Bank Group | Oak Brook | 70 | $1.5B | 12.55% | 0.27% | 14.63% |
| 81 | First Nb in Tremont | Tremont | 70 | $162M | 10.22% | 0.25% | 21.98% |
| 82 | State Bank of Bement | Bement | 69 | $175M | 10.22% | 2.20% | 36.87% |
| 83 | First Nb of Brookfield | Brookfield | 69 | $356M | 13.58% | 1.51% | 11.93% |
| 84 | Havana National Bank | Havana | 69 | $313M | 12.02% | 3.39% | 28.97% |
| 85 | Cibm Bank | Champaign | 68 | $894M | 11.47% | 0.80% | 15.05% |
| 86 | Washington State Bank | Washington | 68 | $76M | 9.32% | 1.79% | 57.99% |
| 87 | Prospect Bank | Paris | 68 | $744M | 10.56% | 1.03% | 25.72% |
| 88 | Midwest National Bank | Sandoval | 68 | $97M | 13.37% | 1.72% | 17.44% |
| 89 | Centrust Bank National Assn | Northbrook | 68 | $146M | 16.15% | 1.84% | 16.21% |
| 90 | Bank of Rantoul | Rantoul | 67 | $240M | 11.16% | 3.64% | 54.55% |
| 91 | Carrollton Bank | Carrollton | 67 | $3.4B | 9.39% | 0.08% | 15.80% |
| 92 | Longview Bank | Ogden | 67 | $600M | 11.46% | 1.36% | 17.64% |
| 93 | Community Bank of Trenton | Trenton | 67 | $125M | 12.76% | 1.79% | 17.81% |
| 94 | Mutual Federal Bank | Chicago | 67 | $95M | 24.06% | 0.99% | 9.75% |
| 95 | Pulaski Savings Bank | Chicago | 67 | $49M | 20.46% | 0.51% | 10.11% |
| 96 | Solutions Bank | Forreston | 66 | $535M | 8.06% | 1.42% | 46.38% |
| 97 | Banterra Bank | Marion | 66 | $3.0B | 10.16% | 0.35% | 18.94% |
| 98 | First B&T Co of Illinois | Palatine | 66 | $215M | 21.15% | 4.42% | 22.73% |
| 99 | Wintrust Bank National Assn | Chicago | 66 | $9.6B | 11.13% | 0.78% | 10.79% |
| 100 | American Eagle Bank | South Elgin | 66 | $445M | 10.61% | 0.03% | 13.51% |
| 101 | Farmers Nb of Griggsville | Griggsville | 65 | $138M | 10.57% | 0.35% | 12.05% |
| 102 | Vermont State Bank | Vermont | 65 | $25M | 39.59% | 10.42% | 35.10% |
| 103 | National Bank of St Anne | St. Anne | 65 | $133M | 10.55% | 0.87% | 16.09% |
| 104 | Fairfield National Bank | Fairfield | 65 | $636M | 11.54% | 3.43% | 29.85% |
For Depositors at B-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 B grade mean for a bank?
B-graded banks in Illinois are healthy mid-tier institutions — composite scores of 65–79. Currently 104 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.
How many B-graded banks are in Illinois?
104 banks in this state currently hold B grades, averaging a composite score of 73/100. 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.
What does this tier look like financially?
Across 104 B-graded banks in Illinois, the average Tier 1 capital ratio is 13.13% and the average nonperforming-loan ratio is 1.17%. Combined assets in this cohort total $107.3B. These numbers come straight from the most recent quarterly FDIC Call Report.
Are deposits at B-graded banks still FDIC-insured?
For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.
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.
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 · 104 B-graded banks in Illinois. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.