Headquartered in La Grange, Illinois, FNBC Bank & Trust is a state-chartered bank with $581.6M in total assets and $525.1M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1908.
FNBC Bank & Trust has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 88th. Problem-loan coverage contributes the most (100/100, 0.2%); capital cushion contributes the least (50/100, 10.02%).
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 5 points (72 → 77), mostly because the earnings component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 69 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 74 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.39% |
| Q3 2024 | 9.58% |
| Q4 2024 | 9.49% |
| Q1 2025 | 9.61% |
| Q2 2025 | 9.89% |
| Q3 2025 | 9.89% |
| Q4 2025 | 9.69% |
| Q1 2026 | 10.00% |
| Q2 2026 | 10.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.82% |
| Q1 2026 | 0.81% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $581.6M | 10.02% | 0.04% | 1.18% | 61.8% |
| Q1 2026 | 74 | $580.4M | 10.00% | 0.04% | 0.81% | 60.3% |
| Q4 2025 | 72 | $597.6M | 9.69% | 0.00% | 0.82% | 57.6% |
| Q3 2025 | 72 | $573.8M | 9.89% | 0.00% | 0.67% | 57.8% |
| Q2 2025 | 72 | $572.2M | 9.89% | 0.00% | 0.60% | 56.7% |
| Q1 2025 | 71 | $570.3M | 9.61% | 0.00% | 0.61% | 56.5% |
| Q4 2024 | 69 | $576.2M | 9.49% | 0.03% | 0.44% | 54.9% |
| Q3 2024 | 70 | $567.9M | 9.58% | 0.06% | 0.50% | 57.8% |
| Q2 2024 | 69 | $555.5M | 9.39% | 0.04% | 0.51% | 59.3% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Washington Savings BankBank Effingham, IL | 77 out of 100, Strong | $585.3M | 12.1% | 0.29% | vs |
| Peoples National Bank of KewaneeBank Kewanee, IL | 48 out of 100, Below average | $587.6M | 10.9% | 6.15% | vs |
| Bank of BellevilleBank Belleville, IL | 47 out of 100, Below average | $562.9M | 8.4% | 2.02% | vs |
| Lisle Savings BankBank Lisle, IL | 80 out of 100, Strong | $544.5M | 26.1% | 0.95% | vs |
| The Fairfield National BankBank Fairfield, IL | 65 out of 100, Moderate | $620.9M | 11.9% | 1.51% | vs |
| The First National Bank of CarmiBank Carmi, IL | 75 out of 100, Strong | $622.2M | 11.4% | 0.35% | vs |
Deposit insurance
Is my money safe at FNBC Bank & Trust?
Yes. FNBC Bank & Trust is an FDIC-insured institution (FDIC certificate #11306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.3% of deposits ($122.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.81% (benchmark: 10%).
3 locations
Branches
FNBC Bank & Trust lists 3 offices in 3 cities. Most locations:
- La Grange, IL (1)
- West Chicago, IL (1)
- Western Springs, IL (1)
HMDA 2025
Mortgage lending
In 2025, FNBC Bank & Trust reported 86 home-loan applications under HMDA (LEI 549300FQ2SN6TRRGB032): 71 originated ($44,105,000 total), 5 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, 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
- FNBC Bank & Trust
- Former names
- State Bank of Illinois; West Chicago State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11306
- RSSD ID
- 608844
- Primary regulator
- FDIC
- Holding company
- F N B C of LA Grange Inc
- Established
- August 17, 1908
- Headquarters
- 620 W Burlington Ave, La Grange, IL 60525
- Website
- www.fnbcbt.com
- Employees
- 79
Quick answers
FNBC Bank & Trust: common questions
Is FNBC Bank & Trust FDIC insured?
Yes. FNBC Bank & Trust is an FDIC-insured institution (FDIC certificate #11306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FNBC Bank & Trust's TellerScore?
77 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 FNBC Bank & Trust ever failed?
There is no failure record for FDIC certificate #11306 in the FDIC failed bank list.
How many branches does FNBC Bank & Trust have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near La Grange
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |