Country Trust Bank is a savings bank headquartered in Bloomington, Illinois, in business for about 26 years. At the end of Q2 2026 it reported $42.3M in total assets and $798K in deposits, with 1 office.
Based on its Q2 2026 filing, Country Trust Bank scores 93/100, which we describe as very strong. That is higher than 94% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 10th. Its strongest component is capital cushion (100/100; 78.65%), and its lowest is funding & liquidity (50/100; 0% loans-to-deposits, 69% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 93).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 93 |
| Q4 2024 | 93 |
| Q1 2025 | 93 |
| Q2 2025 | 93 |
| Q3 2025 | 93 |
| Q4 2025 | 93 |
| Q1 2026 | 93 |
| Q2 2026 | 93 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 90.94% |
| Q3 2024 | 88.31% |
| Q4 2024 | 79.31% |
| Q1 2025 | 77.82% |
| Q2 2025 | 73.26% |
| Q3 2025 | 73.12% |
| Q4 2025 | 73.68% |
| Q1 2026 | 76.19% |
| Q2 2026 | 78.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 20.41% |
| Q3 2024 | 23.79% |
| Q4 2024 | 21.74% |
| Q1 2025 | 26.55% |
| Q2 2025 | 33.50% |
| Q3 2025 | 25.67% |
| Q4 2025 | 22.85% |
| Q1 2026 | 19.97% |
| Q2 2026 | 24.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $42.3M | 78.65% | 0.00% | 24.72% | 0.0% |
| Q1 2026 | 93 | $40.3M | 76.19% | 0.00% | 19.97% | 0.0% |
| Q4 2025 | 93 | $37.8M | 73.68% | 0.00% | 22.85% | 0.0% |
| Q3 2025 | 93 | $38.8M | 73.12% | 0.00% | 25.67% | 0.0% |
| Q2 2025 | 93 | $39.2M | 73.26% | 0.00% | 33.50% | 0.0% |
| Q1 2025 | 93 | $39.7M | 77.82% | 0.00% | 26.55% | 0.0% |
| Q4 2024 | 93 | $34.5M | 79.31% | 0.00% | 21.74% | 0.0% |
| Q3 2024 | 93 | $36.4M | 88.31% | 0.00% | 23.79% | 0.0% |
| Q2 2024 | 93 | $34.9M | 90.94% | 0.00% | 20.41% | 0.0% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| North Side Federal Savings and Loan Association of ChicagoBank Chicago, IL | 42 out of 100, Below average | $41.8M | 9.0% | 1.83% | vs |
| Community Bank of EastonBank Easton, IL | 85 out of 100, Very strong | $43.0M | 16.3% | 0.00% | vs |
| Fairview State Banking CompanyBank Fairview, IL | 83 out of 100, Strong | $40.9M | 14.3% | 0.61% | vs |
| First State Bank of Van OrinBank Van Orin, IL | 53 out of 100, Below average | $40.0M | 12.4% | 4.54% | vs |
| Table Grove State BankBank Table Grove, IL | 57 out of 100, Moderate | $45.9M | 12.5% | 1.65% | vs |
| Farmers State Bank of EmdenBank Emden, IL | 91 out of 100, Very strong | $37.8M | 29.6% | 0.00% | vs |
Deposit insurance
Is my money safe at Country Trust Bank?
Yes. Country Trust Bank is an FDIC-insured institution (FDIC certificate #35602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 68.7% of deposits ($548K) 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 78.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 115.01% (benchmark: 10%).
1 location
Branches
Country Trust Bank lists 1 office in 1 city. Most locations:
- Bloomington, IL (1)
Identity & history
Profile
- Legal name
- Country Trust Bank
- Type
- Savings bank
- FDIC certificate #
- 35602
- RSSD ID
- 449935
- Primary regulator
- OCC
- Established
- May 1, 2000
- Headquarters
- 1711 General Electric Rd, Bloomington, IL 61704
- Website
- www.countryfinancial.com/
- Employees
- 125
Quick answers
Country Trust Bank: common questions
Is Country Trust Bank FDIC insured?
Yes. Country Trust Bank is an FDIC-insured institution (FDIC certificate #35602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Country Trust Bank's TellerScore?
93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Country Trust Bank ever failed?
There is no failure record for FDIC certificate #35602 in the FDIC failed bank list.
How many branches does Country Trust Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bloomington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bloomington Municipal Credit UnionCredit union Bloomington, IL | 87 out of 100, Very strong | $45.7M | 13.5% | 0.10% | vs |
| Iaa Credit UnionCredit union Bloomington, IL | 84 out of 100, Strong | $415.0M | 14.0% | 0.47% | vs |
| Peoples State Bank of ColfaxBank Colfax, IL | 84 out of 100, Strong | $49.5M | 11.7% | 0.00% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Normal City Employees Federal Credit UnionCredit union Normal, IL | 79 out of 100, Strong | $4.5M | 11.8% | 0.00% | vs |