TellerScore

Headquartered in Hillsboro, Illinois, Constitution Bank, National Association is a national bank with $683.1M in total assets and $618.6M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1945.

Based on its Q2 2026 filing, Constitution Bank, National Association scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 189th. Its strongest component is problem-loan coverage (91/100; 4.4%), and its lowest is capital cushion (52/100; 10.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.17%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.62%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 78.4% · 27.4% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.42%

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 (68 → 68).

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202465
Q1 202568
Q2 202568
Q3 202569
Q4 202570
Q1 202669
Q2 202668
Tier 1 leverage ratio
5.00%7.58%10.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.36%
Q3 20249.23%
Q4 20249.37%
Q1 20259.35%
Q2 20259.49%
Q3 20259.49%
Q4 20259.82%
Q1 202610.09%
Q2 202610.17%
Noncurrent loans
0.18%0.40%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.20%
Q4 20240.22%
Q1 20250.22%
Q2 20250.20%
Q3 20250.21%
Q4 20250.18%
Q1 20260.50%
Q2 20260.62%
Return on assets
0.49%0.85%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.51%
Q4 20240.54%
Q1 20250.92%
Q2 20250.98%
Q3 20251.03%
Q4 20251.07%
Q1 20261.21%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$683.1M10.17%0.62%1.13%78.4%
Q1 202669$678.9M10.09%0.50%1.21%76.4%
Q4 202570$659.9M9.82%0.18%1.07%77.7%
Q3 202569$674.6M9.49%0.21%1.03%74.9%
Q2 202568$652.7M9.49%0.20%0.98%77.4%
Q1 202568$646.2M9.35%0.22%0.92%75.5%
Q4 202465$621.0M9.37%0.22%0.54%75.2%
Q3 202465$634.0M9.23%0.20%0.51%68.7%
Q2 202466$598.7M9.36%0.19%0.49%69.3%

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 ratio10.17%
35th
Total risk-based capital0.00%
24th
Problem loans0.62%
41st
Net charge-offs0.00%
60th
Return on assets1.13%
43rd
Net interest margin3.70%
37th
Efficiency ratio53.6%
75th
Loans to deposits78.4%
53rd
Uninsured deposits27.4%
37th
Loan-loss reserves1.32%
65th
Texas ratio4.4%
39th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
MidAmerica National BankBank Canton, IL42 out of 100, Below average$685.0M9.9%4.37%vs
BankOrionBank Orion, IL60 out of 100, Moderate$688.1M9.7%1.18%vs
Apple River State BankBank Apple River, IL74 out of 100, Strong$675.2M9.7%0.24%vs
Peoples Bank & TrustBank Pana, IL64 out of 100, Moderate$656.6M10.7%1.58%vs
Time BankBank Park Ridge, IL70 out of 100, Strong$712.8M11.9%1.75%vs
Prospect BankBank Paris, IL57 out of 100, Moderate$715.6M8.5%0.45%vs

Deposit insurance

Is my money safe at Constitution Bank, National Association?

Yes. Constitution Bank, National Association is an FDIC-insured institution (FDIC certificate #16276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.4% of deposits ($169.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.17%, 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%).

Check how much of your own balance is covered

14 locations

Branches

Constitution Bank, National Association lists 13 offices in 13 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Constitution Bank, National Association
Former names
National Bank; National Bank of Mount Olive; Bank of Hillsboro, National Association
Type
National bank
FDIC certificate #
16276
RSSD ID
659341
Primary regulator
OCC
Holding company
Country Bcorp Inc
Established
July 2, 1945
Headquarters
230 S Main St, Hillsboro, IL 62049
Employees
116

Quick answers

Constitution Bank, National Association: common questions

Is Constitution Bank, National Association FDIC insured?

Yes. Constitution Bank, National Association is an FDIC-insured institution (FDIC certificate #16276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Constitution Bank, National Association's TellerScore?

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

Has Constitution Bank, National Association ever failed?

There is no failure record for FDIC certificate #16276 in the FDIC failed bank list.

How many branches does Constitution Bank, National Association have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hillsboro

InstitutionScoreAssetsCapitalProblem loansCompare
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
The First National Bank of RaymondBank Raymond, IL78 out of 100, Strong$187.1M10.9%0.42%vs
First Community Bank of HillsboroBank Hillsboro, IL77 out of 100, Strong$133.3M11.6%0.10%vs
Taylorville Community Credit UnionCredit union Taylorville, IL77 out of 100, Strong$90.8M12.6%0.87%vs