TellerScore

Hickory Point Bank and Trust is a state-chartered bank headquartered in Decatur, Illinois, in business for about 47 years. At the end of Q2 2026 it reported $717.5M in total assets and $626.8M in deposits, with 8 offices.

Hickory Point Bank and 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 86th. Problem-loan coverage contributes the most (98/100, 0.9%); capital cushion contributes the least (60/100, 11.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 11.04%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.18%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 69.0% · 25.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.94%

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 4 points (73 → 77), mostly because the capital cushion component improved by 9 points.

TellerScore
647177Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202468
Q1 202571
Q2 202573
Q3 202575
Q4 202577
Q1 202674
Q2 202677
Tier 1 leverage ratio
5.00%8.02%11.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.17%
Q3 20249.18%
Q4 20249.52%
Q1 20259.82%
Q2 202510.13%
Q3 202510.51%
Q4 202510.79%
Q1 202610.72%
Q2 202611.04%
Noncurrent loans
0.07%0.39%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.69%
Q3 20240.71%
Q4 20240.28%
Q1 20250.28%
Q2 20250.08%
Q3 20250.08%
Q4 20250.07%
Q1 20260.41%
Q2 20260.18%
Return on assets
0.69%0.95%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.76%
Q4 20240.79%
Q1 20251.04%
Q2 20251.02%
Q3 20251.03%
Q4 20251.10%
Q1 20261.18%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$717.5M11.04%0.18%1.22%69.0%
Q1 202674$737.2M10.72%0.41%1.18%65.9%
Q4 202577$713.4M10.79%0.07%1.10%69.4%
Q3 202575$721.1M10.51%0.08%1.03%71.3%
Q2 202573$738.2M10.13%0.08%1.02%71.5%
Q1 202571$751.3M9.82%0.28%1.04%70.3%
Q4 202468$752.8M9.52%0.28%0.79%71.2%
Q3 202465$808.1M9.18%0.71%0.76%64.7%
Q2 202464$824.0M9.17%0.69%0.69%64.8%

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 ratio11.04%
51st
Total risk-based capital17.25%
78th
Problem loans0.18%
66th
Net charge-offs-0.00%
76th
Return on assets1.22%
48th
Net interest margin3.70%
37th
Efficiency ratio65.9%
40th
Loans to deposits69.0%
71st
Uninsured deposits25.1%
46th
Loan-loss reserves1.24%
56th
Texas ratio0.9%
70th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Prospect BankBank Paris, IL57 out of 100, Moderate$715.6M8.5%0.45%vs
Albank National AssociationBank Chicago, IL70 out of 100, Strong$721.8M17.0%1.13%vs
Time BankBank Park Ridge, IL70 out of 100, Strong$712.8M11.9%1.75%vs
The Bradford National Bank of GreenvilleBank Greenville, IL58 out of 100, Moderate$722.8M8.9%1.92%vs
Longview BankBank Ogden, IL62 out of 100, Moderate$732.1M8.4%0.80%vs
First Neighbor Bank, National AssociationBank Toledo, IL55 out of 100, Moderate$736.0M10.6%2.00%vs

Deposit insurance

Is my money safe at Hickory Point Bank and Trust?

Yes. Hickory Point Bank and Trust is an FDIC-insured institution (FDIC certificate #22874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.1% of deposits ($157.2M) 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 11.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.25% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Hickory Point Bank and Trust lists 8 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hickory Point Bank and Trust reported 306 home-loan applications under HMDA (LEI 549300NN5CG5Q640OV05): 238 originated ($53,790,000 total), 15 denied, and 52 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.9%, 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
Hickory Point Bank and Trust
Former names
Hickory Point Bank and Trust, FSB; Hickory Point Bank; Eagle Bank of Macon County
Type
State-chartered bank
FDIC certificate #
22874
RSSD ID
550635
Primary regulator
FDIC
Holding company
First Illinois Corp
Established
June 4, 1979
Headquarters
225 N Water St, Decatur, IL 62523
Employees
118

Quick answers

Hickory Point Bank and Trust: common questions

Is Hickory Point Bank and Trust FDIC insured?

Yes. Hickory Point Bank and Trust is an FDIC-insured institution (FDIC certificate #22874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hickory Point Bank and 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 Hickory Point Bank and Trust ever failed?

There is no failure record for FDIC certificate #22874 in the FDIC failed bank list.

How many branches does Hickory Point Bank and Trust have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Decatur

InstitutionScoreAssetsCapitalProblem loansCompare
I.B.E.W. Local #146 Credit UnionCredit union Decatur, IL94 out of 100, Very strong$5.0M13.5%0.00%vs
United Equity Credit UnionCredit union Decatur, IL94 out of 100, Very strong$66.2M18.7%0.23%vs
First National Bank in TaylorvilleBank Taylorville, IL92 out of 100, Very strong$200.1M14.4%0.00%vs
Midland Community BankBank Kincaid, IL88 out of 100, Very strong$68.8M12.1%0.00%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs
Decatur Policemen Credit UnionCredit union Decatur, IL85 out of 100, Very strong$5.3M15.0%0.44%vs