Bank & Trust Company (FDIC certificate #1047) is based in Litchfield, Illinois. Its Q2 2026 call report shows $641.3M in total assets and $540.5M in deposits and 11 offices.
Based on its Q2 2026 filing, Bank & Trust Company scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 111th. Its strongest component is problem-loan coverage (96/100; 2.2%), and its lowest is capital cushion (63/100; 11.27%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 72 |
| Q1 2025 | 73 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 75 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.37% |
| Q3 2024 | 10.62% |
| Q4 2024 | 10.86% |
| Q1 2025 | 10.94% |
| Q2 2025 | 10.83% |
| Q3 2025 | 10.95% |
| Q4 2025 | 11.01% |
| Q1 2026 | 11.11% |
| Q2 2026 | 11.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.37% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.37% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.96% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.14% |
| Q2 2026 | 1.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $641.3M | 11.27% | 0.37% | 1.13% | 78.9% |
| Q1 2026 | 75 | $644.6M | 11.11% | 0.32% | 1.14% | 76.1% |
| Q4 2025 | 74 | $633.2M | 11.01% | 0.33% | 1.14% | 77.9% |
| Q3 2025 | 74 | $626.0M | 10.95% | 0.31% | 1.17% | 77.4% |
| Q2 2025 | 74 | $614.6M | 10.83% | 0.32% | 1.10% | 74.2% |
| Q1 2025 | 73 | $602.3M | 10.94% | 0.37% | 0.96% | 73.8% |
| Q4 2024 | 72 | $579.7M | 10.86% | 0.36% | 0.92% | 76.4% |
| Q3 2024 | 72 | $575.8M | 10.62% | 0.26% | 0.87% | 75.2% |
| Q2 2024 | 72 | $580.1M | 10.37% | 0.23% | 0.86% | 73.4% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TrustBankBank Olney, IL | 68 out of 100, Moderate | $640.2M | 9.8% | 0.73% | vs |
| Legence BankBank Eldorado, IL | 70 out of 100, Strong | $642.9M | 9.5% | 1.17% | vs |
| Stillman BancCorp N.A.Bank Stillman Valley, IL | 66 out of 100, Moderate | $645.6M | 9.2% | 0.65% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Peoples Bank & TrustBank Pana, IL | 64 out of 100, Moderate | $656.6M | 10.7% | 1.58% | vs |
| The First National Bank of CarmiBank Carmi, IL | 75 out of 100, Strong | $622.2M | 11.4% | 0.35% | vs |
Deposit insurance
Is my money safe at Bank & Trust Company?
Yes. Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1047). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.6% of deposits ($116.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.44% (benchmark: 10%).
11 locations
Branches
Bank & Trust Company lists 9 offices in 8 cities. Most locations:
- Litchfield, IL (2)
- Carlinville, IL (1)
- Chatham, IL (1)
- Coffeen, IL (1)
- Farmersville, IL (1)
- Raymond, IL (1)
- Rochester, IL (1)
- Witt, IL (1)
Identity & history
Profile
- Legal name
- Bank & Trust Company
- Former names
- Litchfield Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 1047
- RSSD ID
- 496845
- Primary regulator
- FDIC
- Holding company
- Lbt Bancshares Inc
- Established
- September 1, 1902
- Headquarters
- 401 N Madison St, Litchfield, IL 62056
- Website
- www.banktr.com
- Employees
- 99
Quick answers
Bank & Trust Company: common questions
Is Bank & Trust Company FDIC insured?
Yes. Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1047). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank & Trust Company's TellerScore?
75 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 Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #1047 in the FDIC failed bank list.
How many branches does Bank & Trust Company have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Litchfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Warren-Boynton State BankBank New Berlin, IL | 79 out of 100, Strong | $234.5M | 12.1% | 0.41% | vs |
| The First National Bank of RaymondBank Raymond, IL | 78 out of 100, Strong | $187.1M | 10.9% | 0.42% | vs |
| The First National Bank of LitchfieldBank Litchfield, IL | 77 out of 100, Strong | $150.4M | 11.5% | 0.13% | vs |