TellerScore

Bank of Belleville is a state-chartered bank headquartered in Belleville, Illinois, in business for about 21 years. At the end of Q2 2026 it reported $562.9M in total assets and $411.4M in deposits, with 4 offices.

Bank of Belleville has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 301st. Funding & liquidity contributes the most (66/100, 94% loans-to-deposits, 10% uninsured); loan quality contributes the least (33/100, 2.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Tier 1 leverage ratio: 8.37%
Loan quality33/100
Noncurrent loans ÷ total loans: 2.02%
Earnings60/100
Return on assets (annualized): 1.00%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 94.3% · 9.5% uninsured
Problem-loan coverage64/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 17.90%

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 (47 → 47).

TellerScore
475665Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202462
Q4 202463
Q1 202565
Q2 202547
Q3 202548
Q4 202548
Q1 202649
Q2 202647
Tier 1 leverage ratio
5.00%6.69%8.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.04%
Q3 20247.78%
Q4 20248.10%
Q1 20258.07%
Q2 20258.09%
Q3 20257.87%
Q4 20258.07%
Q1 20268.13%
Q2 20268.37%
Noncurrent loans
0.00%1.01%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.00%
Q4 20240.00%
Q1 20250.01%
Q2 20251.58%
Q3 20251.55%
Q4 20251.66%
Q1 20261.77%
Q2 20262.02%
Return on assets
0.37%0.68%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.41%
Q4 20240.53%
Q1 20250.63%
Q2 20250.49%
Q3 20250.59%
Q4 20250.67%
Q1 20260.86%
Q2 20261.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$562.9M8.37%2.02%1.00%94.3%
Q1 202649$549.0M8.13%1.77%0.86%83.8%
Q4 202548$547.5M8.07%1.66%0.67%84.3%
Q3 202548$533.8M7.87%1.55%0.59%84.8%
Q2 202547$503.0M8.09%1.58%0.49%87.4%
Q1 202565$475.0M8.07%0.01%0.63%85.3%
Q4 202463$480.0M8.10%0.00%0.53%87.3%
Q3 202462$485.8M7.78%0.00%0.41%87.6%
Q2 202461$473.4M8.04%0.10%0.37%88.8%

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 ratio8.37%
5th
Total risk-based capital12.13%
53rd
Problem loans2.02%
12th
Net charge-offs0.00%
68th
Return on assets1.00%
33rd
Net interest margin3.18%
16th
Efficiency ratio62.9%
48th
Loans to deposits94.3%
17th
Uninsured deposits9.5%
94th
Loan-loss reserves0.96%
22nd
Texas ratio17.9%
8th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Lisle Savings BankBank Lisle, IL80 out of 100, Strong$544.5M26.1%0.95%vs
FNBC Bank & TrustBank La Grange, IL77 out of 100, Strong$581.6M10.0%0.04%vs
Washington Savings BankBank Effingham, IL77 out of 100, Strong$585.3M12.1%0.29%vs
Peoples National Bank of KewaneeBank Kewanee, IL48 out of 100, Below average$587.6M10.9%6.15%vs
First Nations BankBank Chicago, IL82 out of 100, Strong$536.6M14.1%0.12%vs
Pan American Bank & TrustBank Melrose Park, IL59 out of 100, Moderate$536.1M8.6%0.12%vs

Deposit insurance

Is my money safe at Bank of Belleville?

Yes. Bank of Belleville is an FDIC-insured institution (FDIC certificate #58114). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.5% of deposits ($39.2M) 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 8.37%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.13% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Bank of Belleville lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Belleville reported 92 home-loan applications under HMDA (LEI 549300BY08MY8QNSPU50): 85 originated ($22,445,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, 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
Bank of Belleville
Type
State-chartered bank
FDIC certificate #
58114
RSSD ID
3374403
Primary regulator
FDIC
Holding company
Belleville Bcorp Inc
Established
November 4, 2005
Headquarters
215 S Illinois St, Belleville, IL 62220
Employees
64

Quick answers

Bank of Belleville: common questions

Is Bank of Belleville FDIC insured?

Yes. Bank of Belleville is an FDIC-insured institution (FDIC certificate #58114). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Belleville's TellerScore?

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

Has Bank of Belleville ever failed?

There is no failure record for FDIC certificate #58114 in the FDIC failed bank list.

How many branches does Bank of Belleville have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Belleville

InstitutionScoreAssetsCapitalProblem loansCompare
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
Midwest Members Credit UnionCredit union Wood River, IL85 out of 100, Very strong$226.6M13.6%0.44%vs
Bank of O'FallonBank O'Fallon, IL81 out of 100, Strong$377.5M13.8%0.69%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
The Farmers and Merchants National Bank of NashvilleBank Nashville, IL78 out of 100, Strong$270.3M11.6%0.61%vs