TellerScore

BankChampaign, National Association (FDIC certificate #22434) is based in Champaign, Illinois. Its Q2 2026 call report shows $242.8M in total assets and $193.3M in deposits and 2 offices.

BankChampaign, National Association has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 38th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (60/100, 100% loans-to-deposits, 12% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.84%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.14%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 100.2% · 12.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.91%

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 3 points (81 → 84), mostly because the earnings component improved by 14 points.

TellerScore
818588Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202487
Q4 202488
Q1 202581
Q2 202581
Q3 202581
Q4 202583
Q1 202685
Q2 202684
Tier 1 leverage ratio
5.00%9.23%13.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.51%
Q3 202412.96%
Q4 202413.46%
Q1 202512.29%
Q2 202512.08%
Q3 202511.80%
Q4 202512.09%
Q1 202612.07%
Q2 202611.84%
Noncurrent loans
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.03%
Q4 20240.01%
Q1 20250.01%
Q2 20250.01%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.45%2.02%2.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.45%
Q3 20242.59%
Q4 20242.39%
Q1 20251.55%
Q2 20251.64%
Q3 20251.74%
Q4 20251.87%
Q1 20261.93%
Q2 20262.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$242.8M11.84%0.00%2.14%100.2%
Q1 202685$256.6M12.07%0.00%1.93%96.0%
Q4 202583$251.9M12.09%0.00%1.87%104.9%
Q3 202581$243.0M11.80%0.00%1.74%104.0%
Q2 202581$233.9M12.08%0.01%1.64%109.9%
Q1 202581$239.6M12.29%0.01%1.55%104.0%
Q4 202488$245.2M13.46%0.01%2.39%100.7%
Q3 202487$229.6M12.96%0.03%2.59%100.2%
Q2 202481$219.8M12.51%0.04%1.45%102.9%

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 ratio11.84%
63rd
Total risk-based capital15.89%
73rd
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets2.14%
90th
Net interest margin4.53%
81st
Efficiency ratio58.9%
60th
Loans to deposits100.2%
10th
Uninsured deposits12.5%
89th
Loan-loss reserves1.77%
89th
Texas ratio1.9%
59th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Security Savings BankBank Monmouth, IL80 out of 100, Strong$241.4M13.0%0.30%vs
Security Bank, s.b.Bank Springfield, IL70 out of 100, Strong$244.5M10.1%0.16%vs
Bank of FarmingtonBank Farmington, IL66 out of 100, Moderate$240.1M11.0%0.20%vs
First Federal Savings and Loan Association of Central Illinois, S.B.Bank Shelbyville, IL69 out of 100, Moderate$235.0M10.7%0.70%vs
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs
Warren-Boynton State BankBank New Berlin, IL79 out of 100, Strong$234.5M12.1%0.41%vs

Deposit insurance

Is my money safe at BankChampaign, National Association?

Yes. BankChampaign, National Association is an FDIC-insured institution (FDIC certificate #22434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.5% of deposits ($24.1M) 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 11.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.89% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

BankChampaign, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, BankChampaign, National Association reported 35 home-loan applications under HMDA (LEI 549300OVNJWJXYPGIU28): 35 originated ($17,525,000 total), 0 denied, and 0 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
BankChampaign, National Association
Former names
Market Place National Bank
Type
National bank
FDIC certificate #
22434
RSSD ID
436739
Primary regulator
OCC
Holding company
Market Place Bancshares Inc
Established
March 14, 1977
Headquarters
2101 S Neil St, Champaign, IL 61820
Employees
33

Quick answers

BankChampaign, National Association: common questions

Is BankChampaign, National Association FDIC insured?

Yes. BankChampaign, National Association is an FDIC-insured institution (FDIC certificate #22434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BankChampaign, National Association's TellerScore?

84 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 BankChampaign, National Association ever failed?

There is no failure record for FDIC certificate #22434 in the FDIC failed bank list.

How many branches does BankChampaign, National Association have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Champaign

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings Bank of Champaign UrbanaBank Champaign, IL90 out of 100, Very strong$192.5M12.7%0.09%vs
Community Plus Federal Credit UnionCredit union Rantoul, IL90 out of 100, Very strong$28.1M18.4%0.51%vs
Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL86 out of 100, Very strong$1.2M55.5%0.16%vs
Villa Grove State BankBank Villa Grove, IL86 out of 100, Very strong$85.9M12.2%0.00%vs
Bank of RantoulBank Rantoul, IL82 out of 100, Strong$285.8M10.8%0.00%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs