Updated June 2026 · FDIC Call Report Q2 2024

C-Rated Banks in Illinois

28 banks · Average score: 59/100 · Combined assets $27.0B

28 banks in this state currently hold C grades, averaging a composite score of 59/100. 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 11.07% and an NPL ratio of 2.26%, sourced from the most recent FDIC quarterly Call Report.

28 Illinois banks hold a C grade, averaging 59/100. 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.

A B C DF

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 28 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	28
Combined assets	$27.0B
Average composite score	59/100
Average Tier 1 capital ratio	11.07%
Average NPL ratio	2.26%

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	Casey State Bank	Casey	64	$484M	10.13%	1.02%	16.77%
4	Midland States Bank	Effingham	63	$7.7B	11.06%	1.92%	15.89%
5	Trustbank	Olney	63	$565M	9.34%	0.62%	14.04%
6	First Federal Savings Bank	Ottawa	63	$398M	10.86%	1.11%	19.18%
7	Inb National Assn	Springfield	63	$2.3B	10.90%	0.67%	13.71%
8	Southerntrust Bank	Marion	63	$264M	9.55%	1.32%	19.46%
9	Farmers Stb of Alto Pass Ill	Alto Pass	62	$348M	10.83%	0.98%	10.01%
10	Osb Community Bank	Ottawa	62	$353M	16.40%	1.62%	8.89%
11	American Commercial B&T NA	Ottawa	62	$1.6B	9.62%	0.72%	13.23%
12	Sterling Federal Bank FSB	Sterling	61	$524M	11.37%	2.36%	23.05%
13	Chesterfield State Bank	Chesterfield	60	$24M	8.71%	1.24%	21.97%
14	First Neighbor Bank NA	Toledo	59	$625M	10.52%	1.63%	13.26%
15	German-American State Bank	German Valley	59	$344M	9.49%	2.16%	20.78%
16	Bank of Springfield	Springfield	58	$1.6B	10.23%	1.54%	12.65%
17	First Secure Bank&Trust Co	Palos Hills	58	$368M	13.62%	3.32%	18.70%
18	Federal Savings Bank	Chicago	58	$1.2B	16.82%	1.11%	2.84%
19	Pan American Bank&Trust	Melrose Park	56	$511M	10.05%	1.32%	11.13%
20	Fortress Bank	Peoria	56	$749M	9.35%	0.97%	12.30%
21	First State Bank of Forrest	Forrest	55	$298M	11.22%	1.77%	11.83%
22	Peoples National Bank N A	Mount Vernon	55	$1.7B	9.67%	0.60%	6.50%
23	First Secure Community Bank	Sugar Grove	54	$506M	11.04%	4.57%	29.07%
24	Iuka State Bank	Salem	52	$143M	10.15%	2.21%	12.01%
25	Metropolitan Capital B&T	Chicago	52	$256M	12.06%	10.36%	25.97%
26	Bank of Yates City	Yates City	51	$82M	9.51%	2.73%	16.15%
27	Northwest Bank of Rockford	Rockford	51	$434M	9.39%	3.62%	19.49%
28	State Bank of India	Chicago	50	$3.5B	Not reported	0.00%	5.39%

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?

How many C-graded banks are in Illinois?

What does this tier look like financially?

Across 28 C-graded banks in Illinois, the average Tier 1 capital ratio is 11.07% and the average nonperforming-loan ratio is 2.26%. Combined assets in this cohort total $27.0B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at C-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 C 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 · 28 C-graded banks in Illinois. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.