Updated April 2026 · FDIC Call Report Q2 2024
C-Rated Banks in Illinois
99 banks · Average score: 57/100 · Combined assets $47.6B
99 banks in this state currently hold C grades, averaging a composite score of 57/100. 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 2.14% and an NPL ratio of 0.85%, sourced from the most recent FDIC quarterly Call Report.
99 Illinois banks hold a C grade, averaging 57/100. C-grade banks track close to peer medians — neither standouts nor distressed, but with less cushion against credit-cycle pressure than A-or-B-grade peers.
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 C-grade banks by health score with links to each bank's full profile.
What "C" Means in Practice
C-graded banks in Illinois are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 99 banks chartered in Illinois carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.
For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.
Tier-Wide Snapshot in Illinois
| Banks in this grade tier | 99 |
| Combined assets | $47.6B |
| Average composite score | 57/100 |
| Average Tier 1 capital ratio | 2.14% |
| Average NPL ratio | 0.85% |
All C-Graded Banks in Illinois
| # | Bank | City | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Citizens Bank of Chatsworth | Chatsworth | 64 | $40M | 20.63% | 4.71% | 41.90% |
| 2 | State Bank of Nauvoo | Nauvoo | 64 | $38M | 17.33% | 6.99% | 41.36% |
| 3 | First FSB Champaign Urbana | Champaign | 64 | $193M | 0.00% | 0.09% | 43.76% |
| 4 | Hill-Dodge Banking Co | Warsaw | 64 | $56M | 0.00% | 0.08% | 58.60% |
| 5 | Midland States Bank | Effingham | 63 | $7.7B | 11.06% | 1.92% | 15.89% |
| 6 | Teutopolis State Bank | Teutopolis | 63 | $333M | 0.00% | 0.17% | 44.68% |
| 7 | Germantown T&Sb | Breese | 63 | $473M | 0.00% | 0.00% | 41.72% |
| 8 | First Eagle Bank | Chicago | 63 | $563M | 0.00% | 0.00% | 28.74% |
| 9 | First Nb of Beardstown | Beardstown | 63 | $173M | 0.00% | 0.34% | 40.01% |
| 10 | Inb National Assn | Springfield | 63 | $2.3B | 10.90% | 0.67% | 13.71% |
| 11 | Villa Grove State Bank | Villa Grove | 63 | $82M | 0.00% | 0.00% | 32.25% |
| 12 | Anderson State Bank | Oneida | 62 | $105M | 0.00% | 0.00% | 57.25% |
| 13 | Farmers Stb of Alto Pass Ill | Alto Pass | 62 | $348M | 10.83% | 0.98% | 10.01% |
| 14 | Central Bank Illinois | Geneseo | 62 | $1.4B | 0.00% | 0.04% | 29.34% |
| 15 | Buckley State Bank | Buckley | 62 | $50M | 0.00% | 0.01% | 30.53% |
| 16 | Bank of Calhoun County | Hardin | 62 | $98M | 0.00% | 0.00% | 48.80% |
| 17 | Osb Community Bank | Ottawa | 62 | $353M | 16.40% | 1.62% | 8.89% |
| 18 | American Community B&T | Woodstock | 62 | $1.1B | 0.00% | 0.24% | 34.48% |
| 19 | American Commercial B&T NA | Ottawa | 62 | $1.6B | 9.62% | 0.72% | 13.23% |
| 20 | Campus State Bank | Campus | 61 | $26M | 0.00% | 0.00% | 36.40% |
| 21 | Oakdale State Bank | Oakdale | 61 | $26M | 0.00% | 0.35% | 28.53% |
| 22 | North Central Bank | Hennepin | 61 | $158M | 0.00% | 0.09% | 39.72% |
| 23 | Peoples Bank of Macon | Macon | 61 | $26M | 0.00% | 0.00% | 75.39% |
| 24 | Sterling Federal Bank FSB | Sterling | 61 | $524M | 11.37% | 2.36% | 23.05% |
| 25 | Farmers National Bank | Prophetstown | 61 | $848M | 0.00% | 0.31% | 41.78% |
| 26 | Rushville State Bank | Rushville | 61 | $123M | 0.00% | 0.44% | 54.50% |
| 27 | Gifford State Bank | Gifford | 60 | $188M | 0.00% | 0.22% | 26.26% |
| 28 | Peoples Stb of Newton Il | Newton | 60 | $683M | 0.00% | 0.30% | 28.57% |
| 29 | First National Bank in Amboy | Amboy | 60 | $301M | 0.00% | 0.00% | 59.89% |
| 30 | North Adams State Bank | Ursa | 60 | $44M | 0.00% | 0.29% | 41.52% |
| 31 | Southern Illinois Bank | Johnston City | 60 | $146M | 0.00% | 0.37% | 31.75% |
| 32 | State Bank of Graymont | Graymont | 59 | $318M | 0.00% | 0.06% | 37.23% |
| 33 | Illini State Bank | Oglesby | 59 | $166M | 0.00% | 0.18% | 29.25% |
| 34 | Anna State Bank | Anna | 59 | $104M | 0.00% | 0.03% | 58.45% |
| 35 | Algonquin State Bank | Algonquin | 59 | $144M | 0.00% | 0.08% | 41.17% |
| 36 | 1nb Bank | Carlyle | 59 | $292M | 0.00% | 0.24% | 39.58% |
| 37 | Mason City National Bank | Mason City | 59 | $79M | 0.00% | 0.58% | 53.70% |
| 38 | Bank of Hillsboro NA | Hillsboro | 59 | $599M | 0.00% | 0.19% | 31.58% |
| 39 | First Nb in Taylorville | Taylorville | 59 | $194M | 0.00% | 0.25% | 59.37% |
| 40 | Prairie State Bank&Trust | Springfield | 59 | $803M | 0.00% | 0.22% | 34.71% |
| 41 | First Cmty Bank Xenia-Flora | Xenia | 59 | $56M | 0.00% | 0.73% | 38.75% |
| 42 | Servbank,sb | Oswego | 59 | $794M | 0.00% | 1.02% | 70.97% |
| 43 | Fairview State Banking Co | Fairview | 58 | $37M | 0.00% | 0.77% | 31.53% |
| 44 | Bankorion | Orion | 58 | $650M | 0.00% | 0.32% | 36.38% |
| 45 | Blackhawk Bank&Trust | Milan | 58 | $1.8B | 0.00% | 0.33% | 43.28% |
| 46 | Bank of Springfield | Springfield | 58 | $1.6B | 10.23% | 1.54% | 12.65% |
| 47 | First Secure Bank&Trust Co | Palos Hills | 58 | $368M | 13.62% | 3.32% | 18.70% |
| 48 | Federal Savings Bank | Chicago | 58 | $1.2B | 16.82% | 1.11% | 2.84% |
| 49 | First Nb of Assumption | Assumption | 58 | $24M | 0.00% | 0.63% | 71.68% |
| 50 | State Bank of Davis | Davis | 58 | $177M | 0.00% | 0.77% | 37.51% |
| 51 | Farmers&Merchants Bk Hutsonv | Hutsonville | 57 | $51M | 0.00% | 0.00% | 24.12% |
| 52 | Farmers Stb of Western Il | Alpha | 57 | $158M | 0.00% | 0.47% | 50.42% |
| 53 | First Nb of Allendale | Allendale | 57 | $391M | 0.00% | 0.65% | 29.47% |
| 54 | Lena State Bank | Lena | 57 | $98M | 0.00% | 0.56% | 28.34% |
| 55 | Granville National Bank | Granville | 57 | $110M | 0.00% | 0.43% | 55.06% |
| 56 | Table Grove State Bank | Table Grove | 57 | $45M | 0.00% | 0.04% | 32.39% |
| 57 | North Shore Trust&Savings | Waukegan | 57 | $266M | 0.00% | 0.00% | 40.87% |
| 58 | Town&Country Bank Midwest | Quincy | 56 | $214M | 0.00% | 0.39% | 23.58% |
| 59 | Petefish Skiles&Co | Virginia | 56 | $309M | 0.00% | 0.20% | 24.97% |
| 60 | Shelby County State Bank | Shelbyville | 56 | $343M | 0.00% | 0.40% | 27.02% |
| 61 | First National Bank in Olney | Olney | 56 | $452M | 0.00% | 0.99% | 43.60% |
| 62 | State Bank of Pearl City | Pearl City | 56 | $88M | 0.00% | 0.53% | 58.31% |
| 63 | Itasca Bank&Trust Co | Itasca | 56 | $748M | 0.00% | 0.21% | 25.47% |
| 64 | Pan American Bank&Trust | Melrose Park | 56 | $511M | 10.05% | 1.32% | 11.13% |
| 65 | Scott State Bank | Bethany | 56 | $204M | 0.00% | 0.56% | 43.53% |
| 66 | Farmers Stb of Hoffman | Hoffman | 56 | $219M | 0.00% | 0.26% | 46.15% |
| 67 | Fortress Bank | Peoria | 56 | $749M | 9.35% | 0.97% | 12.30% |
| 68 | First State Bank of Forrest | Forrest | 55 | $298M | 11.22% | 1.77% | 11.83% |
| 69 | Flanagan State Bank | Flanagan | 55 | $293M | 0.00% | 0.63% | 38.49% |
| 70 | Nashville Savings Bank | Nashville | 55 | $98M | 0.00% | 0.00% | 21.06% |
| 71 | First Cmty Bank of Hillsboro | Hillsboro | 55 | $152M | 0.00% | 0.45% | 49.06% |
| 72 | Midamerica National Bank | Canton | 55 | $644M | 0.00% | 0.69% | 26.82% |
| 73 | Peoples National Bank N A | Mount Vernon | 55 | $1.7B | 9.67% | 0.60% | 6.50% |
| 74 | Providence Bank&Trust | South Holland | 55 | $1.6B | 0.00% | 0.63% | 27.50% |
| 75 | Middletown State Bank | Middletown | 54 | $41M | 0.00% | 0.00% | 19.34% |
| 76 | Collinsville Bldg&La | Collinsville | 54 | $123M | 0.00% | 0.00% | 26.87% |
| 77 | First Secure Community Bank | Sugar Grove | 54 | $506M | 11.04% | 4.57% | 29.07% |
| 78 | First National Bank of Pana | Pana | 54 | $318M | 0.00% | 0.08% | 20.30% |
| 79 | Murphy-Wall State B&T Co | Pinckneyville | 53 | $178M | 0.00% | 1.48% | 32.29% |
| 80 | Bank of Bluffs | Bluffs | 53 | $59M | 0.00% | 1.00% | 32.80% |
| 81 | 1st Community Bank | Sherrard | 53 | $66M | 0.00% | 1.42% | 31.06% |
| 82 | Bank of Stronghurst | Stronghurst | 53 | $84M | 0.00% | 0.61% | 50.79% |
| 83 | Time Bank | Park Ridge | 53 | $463M | 0.00% | 0.38% | 20.41% |
| 84 | Grand Ridge National Bank | Wheaton | 53 | $375M | 0.00% | 0.14% | 18.80% |
| 85 | First Nb of Raymond | Raymond | 53 | $172M | 0.00% | 1.09% | 50.61% |
| 86 | Community Nb in Monmouth | Monmouth | 52 | $52M | 0.00% | 1.49% | 40.14% |
| 87 | Metropolitan Capital B&T | Chicago | 52 | $256M | 12.06% | 10.36% | 25.97% |
| 88 | Byron Bank | Byron | 52 | $364M | 0.00% | 1.07% | 35.02% |
| 89 | Raritan State Bank | Raritan | 51 | $252M | 0.00% | 1.39% | 29.17% |
| 90 | First Bank Chicago | Highland Park | 51 | $1.9B | 0.00% | 0.86% | 32.01% |
| 91 | Central Fs&La | Cicero | 51 | $197M | 0.00% | 1.03% | 31.18% |
| 92 | Hoyne Savings Bank | Chicago | 51 | $442M | 0.00% | 0.68% | 45.82% |
| 93 | Iroquois Fs&La | Watseka | 51 | $888M | 0.00% | 0.03% | 22.56% |
| 94 | Gold Coast Bank | Chicago | 51 | $445M | 0.00% | 0.52% | 19.01% |
| 95 | Solutions Bank | Forreston | 50 | $535M | 0.00% | 1.42% | 46.38% |
| 96 | Jersey State Bank | Jerseyville | 50 | $167M | 0.00% | 1.77% | 46.79% |
| 97 | Princeville State Bank | Princeville | 50 | $113M | 0.00% | 1.38% | 42.24% |
| 98 | Burling Bank | Chicago | 50 | $236M | 0.00% | 1.05% | 20.86% |
| 99 | State Bank of St Jacob | Saint Jacob | 50 | $86M | 0.00% | 1.90% | 32.05% |
For Depositors at C-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 C grade mean for a bank?
C-graded banks in Illinois are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 99 banks chartered in Illinois carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.
How many C-graded banks are in Illinois?
99 banks in this state currently hold C grades, averaging a composite score of 57/100. 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 99 C-graded banks in Illinois, the average Tier 1 capital ratio is 2.14% and the average nonperforming-loan ratio is 0.85%. Combined assets in this cohort total $47.6B. These numbers come straight from the most recent quarterly FDIC Call Report.
Are deposits at C-graded banks still FDIC-insured?
For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.
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 2026-04-06 · 99 C-graded banks in Illinois. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.