TellerScore

Headquartered in Hardin, Illinois, Bank of Calhoun County is a state-chartered bank with $99.5M in total assets and $89.7M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1898.

Bank of Calhoun County has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 127th. Problem-loan coverage contributes the most (97/100, 1.3%); capital cushion contributes the least (47/100, 9.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.72%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.23%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 58.4% · 20.7% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.26%

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 (75 → 74).

TellerScore
727475Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202473
Q1 202572
Q2 202575
Q3 202574
Q4 202574
Q1 202675
Q2 202674
Tier 1 leverage ratio
5.00%7.36%9.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.77%
Q3 20248.84%
Q4 20248.86%
Q1 20259.12%
Q2 20259.36%
Q3 20259.61%
Q4 20259.46%
Q1 20269.60%
Q2 20269.72%
Noncurrent loans
0.00%0.11%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.02%
Q2 20250.03%
Q3 20250.01%
Q4 20250.02%
Q1 20260.01%
Q2 20260.23%
Return on assets
0.88%0.98%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20240.97%
Q4 20240.98%
Q1 20250.88%
Q2 20251.02%
Q3 20250.97%
Q4 20250.99%
Q1 20260.95%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$99.5M9.72%0.23%1.07%58.4%
Q1 202675$97.0M9.60%0.01%0.95%59.1%
Q4 202574$96.8M9.46%0.02%0.99%59.2%
Q3 202574$97.8M9.61%0.01%0.97%54.2%
Q2 202575$95.7M9.36%0.03%1.02%54.7%
Q1 202572$97.3M9.12%0.02%0.88%53.3%
Q4 202473$95.7M8.86%0.00%0.98%55.1%
Q3 202472$97.2M8.84%0.00%0.97%52.5%
Q2 202472$97.8M8.77%0.00%0.95%51.3%

546 peers · Under $100 million in assets

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 ratio9.72%
15th
Total risk-based capital19.30%
71st
Problem loans0.23%
55th
Net charge-offs-0.00%
80th
Return on assets1.07%
54th
Net interest margin3.46%
28th
Efficiency ratio61.1%
71st
Loans to deposits58.4%
62nd
Uninsured deposits20.7%
31st
Loan-loss reserves0.53%
8th
Texas ratio1.3%
55th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Mutual Federal BankBank Chicago, IL71 out of 100, Strong$96.5M16.3%1.09%vs
Williamsville State Bank & TrustBank Williamsville, IL73 out of 100, Strong$93.8M14.5%1.04%vs
Mason City National BankBank Mason City, IL96 out of 100, Very strong$91.4M15.3%0.04%vs
The Old Exchange National Bank of OkawvilleBank Okawville, IL80 out of 100, Strong$91.3M11.1%0.19%vs
Bank of Yates CityBank Yates City, IL42 out of 100, Below average$89.1M9.7%4.27%vs
Bank of StronghurstBank Stronghurst, IL70 out of 100, Strong$87.6M14.2%1.69%vs

Deposit insurance

Is my money safe at Bank of Calhoun County?

Yes. Bank of Calhoun County is an FDIC-insured institution (FDIC certificate #12549). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.7% of deposits ($18.6M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.30% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bank of Calhoun County lists 3 offices in 3 cities. Most locations:

  • Brussels, IL (1)
  • Fieldon, IL (1)
  • Hardin, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Calhoun County reported 27 home-loan applications under HMDA (LEI 5493007BMZRJFTKKNV74): 26 originated ($4,510,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Bank of Calhoun County
Type
State-chartered bank
FDIC certificate #
12549
RSSD ID
960047
Primary regulator
FDIC
Holding company
Bcc Bancshares Inc
Established
January 1, 1898
Headquarters
204 W Main St, Hardin, IL 62047
Employees
14

Quick answers

Bank of Calhoun County: common questions

Is Bank of Calhoun County FDIC insured?

Yes. Bank of Calhoun County is an FDIC-insured institution (FDIC certificate #12549). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Calhoun County's TellerScore?

74 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 of Calhoun County ever failed?

There is no failure record for FDIC certificate #12549 in the FDIC failed bank list.

How many branches does Bank of Calhoun County have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hardin

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of KampsvilleBank Kampsville, IL91 out of 100, Very strong$134.1M17.4%0.01%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
United Credit UnionCredit union Mexico, MO88 out of 100, Very strong$302.1M15.2%0.40%vs
The Bank of Old MonroeBank Old Monroe, MO81 out of 100, Strong$994.6M10.5%0.00%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs