TellerScore

Albank National Association (FDIC certificate #17230) is based in Chicago, Illinois. Its Q2 2026 call report shows $721.8M in total assets and $591.1M in deposits and 4 offices.

Albank National Association has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 163rd. Capital cushion contributes the most (100/100, 16.98%); funding & liquidity contributes the least (33/100, 92% loans-to-deposits, 47% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.98%
Loan quality62/100
Noncurrent loans ÷ total loans: 1.13%
Earnings51/100
Return on assets (annualized): 0.79%
Funding & liquidity33/100
Loans ÷ deposits and uninsured-deposit share: 91.9% · 47.1% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (61 → 70), mostly because the loan quality component improved by 24 points.

TellerScore
546780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202480
Q1 202554
Q2 202561
Q3 202562
Q4 202564
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%10.99%16.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.27%
Q3 202416.56%
Q4 202416.45%
Q1 202516.76%
Q2 202516.72%
Q3 202516.54%
Q4 202516.50%
Q1 202616.69%
Q2 202616.98%
Noncurrent loans
0.00%1.25%2.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.00%
Q4 20240.00%
Q1 20252.50%
Q2 20251.85%
Q3 20251.82%
Q4 20251.88%
Q1 20261.14%
Q2 20261.13%
Return on assets
0.49%0.68%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.73%
Q4 20240.87%
Q1 20250.49%
Q2 20250.61%
Q3 20250.67%
Q4 20250.86%
Q1 20260.76%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$721.8M16.98%1.13%0.79%91.9%
Q1 202670$729.4M16.69%1.14%0.76%89.6%
Q4 202564$729.6M16.50%1.88%0.86%89.7%
Q3 202562$727.1M16.54%1.82%0.67%92.7%
Q2 202561$711.7M16.72%1.85%0.61%96.8%
Q1 202554$705.6M16.76%2.50%0.49%98.4%
Q4 202480$711.8M16.45%0.00%0.87%97.9%
Q3 202479$704.3M16.56%0.00%0.73%97.9%
Q2 202479$710.6M16.27%0.06%0.69%96.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.98%
93rd
Total risk-based capital0.00%
24th
Problem loans1.13%
25th
Net charge-offs0.50%
5th
Return on assets0.79%
23rd
Net interest margin3.25%
18th
Efficiency ratio59.9%
57th
Loans to deposits91.9%
22nd
Uninsured deposits47.1%
5th
Loan-loss reserves0.91%
18th
Texas ratio4.8%
37th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The Bradford National Bank of GreenvilleBank Greenville, IL58 out of 100, Moderate$722.8M8.9%1.92%vs
Hickory Point Bank and TrustBank Decatur, IL77 out of 100, Strong$717.5M11.0%0.18%vs
Prospect BankBank Paris, IL57 out of 100, Moderate$715.6M8.5%0.45%vs
Time BankBank Park Ridge, IL70 out of 100, Strong$712.8M11.9%1.75%vs
Longview BankBank Ogden, IL62 out of 100, Moderate$732.1M8.4%0.80%vs
First Neighbor Bank, National AssociationBank Toledo, IL55 out of 100, Moderate$736.0M10.6%2.00%vs

Deposit insurance

Is my money safe at Albank National Association?

Yes. Albank National Association is an FDIC-insured institution (FDIC certificate #17230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.1% of deposits ($278.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Albank National Association lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Albank National Association reported 20 home-loan applications under HMDA (LEI 25490001F0A9F7BV6B05): 12 originated ($13,710,000 total), 8 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 40.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Albank National Association
Former names
Albany Bank and Trust Company National Association; National Bank of Albany Park in Chicago
Type
National bank
FDIC certificate #
17230
RSSD ID
2732
Primary regulator
OCC
Holding company
Albank Corp
Established
June 27, 1953
Headquarters
3400 W Lawrence Ave, Chicago, IL 60625
Employees
68

Quick answers

Albank National Association: common questions

Is Albank National Association FDIC insured?

Yes. Albank National Association is an FDIC-insured institution (FDIC certificate #17230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Albank National Association's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Albank National Association ever failed?

There is no failure record for FDIC certificate #17230 in the FDIC failed bank list.

How many branches does Albank National Association have?

4 offices as of the latest FDIC data.

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