Blackhawk Bank & Trust is a state-chartered bank headquartered in Milan, Illinois, in business for about 65 years. At the end of Q2 2026 it reported $2.0B in total assets and $1.6B in deposits, with 20 offices across 2 states.
Blackhawk Bank & Trust has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 98th. Loan quality contributes the most (97/100, 0.09%); capital cushion contributes the least (55/100, 10.54%).
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
From Q2 2025 to Q2 2026, the score rose 7 points (69 → 76), mostly because the earnings component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 67 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.91% |
| Q3 2024 | 10.10% |
| Q4 2024 | 10.24% |
| Q1 2025 | 10.09% |
| Q2 2025 | 10.00% |
| Q3 2025 | 10.48% |
| Q4 2025 | 10.46% |
| Q1 2026 | 10.78% |
| Q2 2026 | 10.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.09% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $2.0B | 10.54% | 0.09% | 1.55% | 78.3% |
| Q1 2026 | 75 | $2.0B | 10.78% | 0.10% | 1.33% | 77.8% |
| Q4 2025 | 71 | $1.9B | 10.46% | 0.33% | 1.06% | 75.5% |
| Q3 2025 | 70 | $1.9B | 10.48% | 0.44% | 0.98% | 75.6% |
| Q2 2025 | 69 | $1.9B | 10.00% | 0.36% | 0.91% | 77.3% |
| Q1 2025 | 68 | $1.9B | 10.09% | 0.35% | 0.83% | 81.2% |
| Q4 2024 | 67 | $1.8B | 10.24% | 0.28% | 0.67% | 78.3% |
| Q3 2024 | 67 | $1.8B | 10.10% | 0.30% | 0.63% | 77.5% |
| Q2 2024 | 67 | $1.8B | 9.91% | 0.33% | 0.67% | 73.6% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| American Commercial Bank & Trust, National AssociationBank Ottawa, IL | 66 out of 100, Moderate | $2.1B | 9.3% | 0.29% | vs |
| Bank of SpringfieldBank Springfield, IL | 55 out of 100, Moderate | $2.0B | 9.2% | 1.43% | vs |
| Peoples National Bank , N.A.Bank Mount Vernon, IL | 62 out of 100, Moderate | $2.1B | 9.3% | 0.84% | vs |
| Marquette BankBank Chicago, IL | 66 out of 100, Moderate | $2.1B | 8.4% | 0.10% | vs |
| First Bank ChicagoBank Highland Park, IL | 52 out of 100, Below average | $2.2B | 9.1% | 1.09% | vs |
| Crystal Lake Bank and Trust Company, National AssociationBank Crystal Lake, IL | 70 out of 100, Strong | $2.3B | 9.7% | 0.34% | vs |
Deposit insurance
Is my money safe at Blackhawk Bank & Trust?
Yes. Blackhawk Bank & Trust is an FDIC-insured institution (FDIC certificate #18402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.2% of deposits ($548.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.54%, 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%).
20 locations
Branches
Blackhawk Bank & Trust lists 18 offices in 15 cities across 2 states. Most locations:
- Davenport, IA (2)
- Milan, IL (2)
- Moline, IL (2)
- Aledo, IL (1)
- Bettendorf, IA (1)
- Coal Valley, IL (1)
- Colona, IL (1)
- East Moline, IL (1)
- Geneseo, IL (1)
- Leclaire, IA (1)
- Port Byron, IL (1)
- Princeton, IA (1)
HMDA 2025
Mortgage lending
In 2025, Blackhawk Bank & Trust reported 285 home-loan applications under HMDA (LEI 5493002L7I6EYKW3NG91): 210 originated ($36,150,000 total), 30 denied, and 43 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.4%, 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
- Blackhawk Bank & Trust
- Former names
- Blackhawk State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18402
- RSSD ID
- 890742
- Primary regulator
- FDIC
- Holding company
- Blackhawk Bcorp Inc
- Established
- June 28, 1961
- Headquarters
- 301 4th St W, Milan, IL 61264
- Website
- www.choosethechief.com
- Employees
- 240
Quick answers
Blackhawk Bank & Trust: common questions
Is Blackhawk Bank & Trust FDIC insured?
Yes. Blackhawk Bank & Trust is an FDIC-insured institution (FDIC certificate #18402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Blackhawk Bank & Trust's TellerScore?
76 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 Blackhawk Bank & Trust ever failed?
There is no failure record for FDIC certificate #18402 in the FDIC failed bank list.
How many branches does Blackhawk Bank & Trust have?
20 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Milan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kone Employees Credit UnionCredit union Moline, IL | 94 out of 100, Very strong | $20.7M | 17.5% | 0.55% | vs |
| Blue Grass Savings BankBank Blue Grass, IA | 89 out of 100, Very strong | $225.5M | 14.3% | 0.34% | vs |
| Liberty Trust & Savings BankBank Durant, IA | 86 out of 100, Very strong | $186.2M | 20.7% | 0.86% | vs |
| First Central State BankBank Dewitt, IA | 83 out of 100, Strong | $772.4M | 13.4% | 0.21% | vs |
| Service Plus Credit UnionCredit union Moline, IL | 81 out of 100, Strong | $34.7M | 12.3% | 0.46% | vs |
| Union Federal Savings and Loan AssociationBank Kewanee, IL | 77 out of 100, Strong | $145.6M | 16.5% | 0.51% | vs |