Headquartered in Litchfield, Illinois, The Litchfield National Bank is a national bank with $135.7M in total assets and $120.6M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1907.
The Litchfield National Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 241st. Funding & liquidity contributes the most (92/100, 68% loans-to-deposits, 13% uninsured); capital cushion contributes the least (39/100, 8.94%).
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 2 points (60 → 62), mostly because the loan quality component improved by 4 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 54 |
| Q4 2024 | 56 |
| Q1 2025 | 58 |
| Q2 2025 | 60 |
| Q3 2025 | 62 |
| Q4 2025 | 60 |
| Q1 2026 | 63 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.35% |
| Q3 2024 | 8.72% |
| Q4 2024 | 8.65% |
| Q1 2025 | 8.73% |
| Q2 2025 | 8.77% |
| Q3 2025 | 8.76% |
| Q4 2025 | 8.75% |
| Q1 2026 | 8.81% |
| Q2 2026 | 8.94% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.49% |
| Q3 2024 | 1.17% |
| Q4 2024 | 0.99% |
| Q1 2025 | 0.97% |
| Q2 2025 | 0.96% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.95% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.85% |
| Q2 2026 | 0.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $135.7M | 8.94% | 0.84% | 0.75% | 67.9% |
| Q1 2026 | 63 | $142.9M | 8.81% | 0.88% | 0.85% | 66.5% |
| Q4 2025 | 60 | $140.2M | 8.75% | 0.95% | 0.65% | 68.3% |
| Q3 2025 | 62 | $137.1M | 8.76% | 0.79% | 0.72% | 69.3% |
| Q2 2025 | 60 | $137.7M | 8.77% | 0.96% | 0.68% | 68.8% |
| Q1 2025 | 58 | $131.4M | 8.73% | 0.97% | 0.52% | 69.8% |
| Q4 2024 | 56 | $131.6M | 8.65% | 0.99% | 0.34% | 68.7% |
| Q3 2024 | 54 | $128.3M | 8.72% | 1.17% | 0.29% | 70.3% |
| Q2 2024 | 50 | $128.2M | 8.35% | 1.49% | 0.28% | 66.0% |
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 |
|---|---|---|---|---|---|
| Southern Illinois BankBank Johnston City, IL | 62 out of 100, Moderate | $136.5M | 17.7% | 4.75% | vs |
| Rushville State BankBank Rushville, IL | 94 out of 100, Very strong | $134.8M | 14.3% | 0.19% | vs |
| Streator Home Savings BankBank Streator, IL | 70 out of 100, Strong | $137.0M | 22.0% | 1.19% | vs |
| Bank of KampsvilleBank Kampsville, IL | 91 out of 100, Very strong | $134.1M | 17.4% | 0.01% | vs |
| State Bank of CherryBank Cherry, IL | 72 out of 100, Strong | $137.6M | 11.6% | 0.50% | vs |
| First Community Bank of HillsboroBank Hillsboro, IL | 77 out of 100, Strong | $133.3M | 11.6% | 0.10% | vs |
Deposit insurance
Is my money safe at The Litchfield National Bank?
Yes. The Litchfield National Bank is an FDIC-insured institution (FDIC certificate #3808). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.0% of deposits ($15.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.24% (benchmark: 10%).
2 locations
Branches
The Litchfield National Bank lists 1 office in 1 city. Most locations:
- Litchfield, IL (1)
Identity & history
Profile
- Legal name
- The Litchfield National Bank
- Type
- National bank
- FDIC certificate #
- 3808
- RSSD ID
- 372444
- Primary regulator
- OCC
- Holding company
- Litchfield Bancshares Co
- Established
- May 1, 1907
- Headquarters
- 316 N State St, Litchfield, IL 62056
- Website
- www.ibanklnb.com
- Employees
- 26
Quick answers
The Litchfield National Bank: common questions
Is The Litchfield National Bank FDIC insured?
Yes. The Litchfield National Bank is an FDIC-insured institution (FDIC certificate #3808). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Litchfield National Bank's TellerScore?
62 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 The Litchfield National Bank ever failed?
There is no failure record for FDIC certificate #3808 in the FDIC failed bank list.
How many branches does The Litchfield National Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Litchfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | 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 |
| Warren-Boynton State BankBank New Berlin, IL | 79 out of 100, Strong | $234.5M | 12.1% | 0.41% | vs |
| The First National Bank of RaymondBank Raymond, IL | 78 out of 100, Strong | $187.1M | 10.9% | 0.42% | vs |
| The First National Bank of LitchfieldBank Litchfield, IL | 77 out of 100, Strong | $150.4M | 11.5% | 0.13% | vs |