Headquartered in New Lenox, Illinois, Old Plank Trail Community Bank, National Association is a national bank with $3.5B in total assets and $3.1B in deposits as of Q2 2026. It operates 17 offices across 2 states. Its charter dates back to 2006.
Old Plank Trail Community Bank, National Association has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 199th. Problem-loan coverage contributes the most (95/100, 2.4%); capital cushion contributes the least (38/100, 8.82%).
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 (67 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 64 |
| Q1 2025 | 68 |
| Q2 2025 | 67 |
| Q3 2025 | 65 |
| Q4 2025 | 65 |
| Q1 2026 | 68 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.58% |
| Q3 2024 | 8.76% |
| Q4 2024 | 8.91% |
| Q1 2025 | 9.20% |
| Q2 2025 | 8.92% |
| Q3 2025 | 8.79% |
| Q4 2025 | 9.06% |
| Q1 2026 | 9.06% |
| Q2 2026 | 8.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.54% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.28% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 0.99% |
| Q4 2024 | 0.99% |
| Q1 2025 | 1.39% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $3.5B | 8.82% | 0.28% | 1.19% | 79.8% |
| Q1 2026 | 68 | $3.3B | 9.06% | 0.32% | 1.28% | 82.2% |
| Q4 2025 | 65 | $3.3B | 9.06% | 0.52% | 1.16% | 82.7% |
| Q3 2025 | 65 | $3.3B | 8.79% | 0.42% | 1.19% | 81.0% |
| Q2 2025 | 67 | $3.1B | 8.92% | 0.43% | 1.32% | 82.2% |
| Q1 2025 | 68 | $3.0B | 9.20% | 0.48% | 1.39% | 82.2% |
| Q4 2024 | 64 | $2.9B | 8.91% | 0.41% | 0.99% | 83.6% |
| Q3 2024 | 63 | $2.9B | 8.76% | 0.54% | 0.99% | 80.7% |
| Q2 2024 | 64 | $2.8B | 8.58% | 0.45% | 1.04% | 78.6% |
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 |
|---|---|---|---|---|---|
| Village Bank and Trust, National AssociationBank Arlington Heights, IL | 70 out of 100, Strong | $3.6B | 9.5% | 0.46% | vs |
| Parkway Bank and Trust CompanyBank Harwood Heights, IL | 66 out of 100, Moderate | $3.7B | 11.5% | 1.05% | vs |
| St. Charles Bank & Trust Company, National AssociationBank Saint Charles, IL | 66 out of 100, Moderate | $3.7B | 9.6% | 0.70% | vs |
| Banterra BankBank Marion, IL | 66 out of 100, Moderate | $3.4B | 9.4% | 0.37% | vs |
| Libertyville Bank & Trust Company, National AssociationBank Libertyville, IL | 69 out of 100, Moderate | $3.3B | 9.2% | 0.39% | vs |
| Carrollton BankBank Carrollton, IL | 58 out of 100, Moderate | $3.9B | 8.0% | 0.36% | vs |
Deposit insurance
Is my money safe at Old Plank Trail Community Bank, National Association?
Yes. Old Plank Trail Community Bank, National Association is an FDIC-insured institution (FDIC certificate #58314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.7% of deposits ($832.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.82%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.46% (benchmark: 10%).
17 locations
Branches
Old Plank Trail Community Bank, National Association lists 17 offices in 16 cities across 2 states. Most locations:
- Frankfort, IL (2)
- Chicago Heights, IL (1)
- Crete, IL (1)
- Crown Point, IN (1)
- Dyer, IN (1)
- Gary, IN (1)
- Homer Glen, IL (1)
- Joliet, IL (1)
- Lansing, IL (1)
- Markham, IL (1)
- Mokena, IL (1)
- New Lenox, IL (1)
HMDA 2025
Mortgage lending
In 2025, Old Plank Trail Community Bank, National Association reported 169 home-loan applications under HMDA (LEI 54930010ZG6EHTCJ1L21): 138 originated ($140,530,000 total), 10 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.8%, 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
- Old Plank Trail Community Bank, National Association
- Type
- National bank
- FDIC certificate #
- 58314
- RSSD ID
- 3404207
- Primary regulator
- OCC
- Holding company
- Wintrust Financial Corp
- Established
- March 16, 2006
- Headquarters
- 280 Veterans Pkwy, New Lenox, IL 60451
- Website
- www.oldplanktrailbank.com
- Employees
- 173
Quick answers
Old Plank Trail Community Bank, National Association: common questions
Is Old Plank Trail Community Bank, National Association FDIC insured?
Yes. Old Plank Trail Community Bank, National Association is an FDIC-insured institution (FDIC certificate #58314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Old Plank Trail Community Bank, National Association's TellerScore?
67 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 Old Plank Trail Community Bank, National Association ever failed?
There is no failure record for FDIC certificate #58314 in the FDIC failed bank list.
How many branches does Old Plank Trail Community Bank, National Association have?
17 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near New Lenox
| 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 |
| 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 |
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| Trinity U.C.C. Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $4.2M | 16.5% | 0.00% | vs |
| Aurora Firefighters' Credit UnionCredit union Aurora, IL | 93 out of 100, Very strong | $2.7M | 16.1% | 0.00% | vs |