TellerScore

TrustBank (FDIC certificate #14662) is based in Olney, Illinois. Its Q2 2026 call report shows $640.2M in total assets and $557.6M in deposits and 8 offices across 2 states.

TrustBank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 190th. Earnings contributes the most (98/100, 1.94%); capital cushion contributes the least (48/100, 9.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.81%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.73%
Earnings98/100
Return on assets (annualized): 1.94%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 97.0% · 27.9% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.79%

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 11 points (57 → 68), mostly because the loan quality component improved by 34 points.

TellerScore
556370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202466
Q4 202465
Q1 202570
Q2 202557
Q3 202559
Q4 202558
Q1 202655
Q2 202668
Tier 1 leverage ratio
5.00%7.41%9.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.34%
Q3 20249.44%
Q4 20249.23%
Q1 20259.28%
Q2 20259.45%
Q3 20259.63%
Q4 20259.38%
Q1 20269.53%
Q2 20269.81%
Noncurrent loans
0.44%1.24%2.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.62%
Q3 20240.60%
Q4 20240.50%
Q1 20250.44%
Q2 20251.74%
Q3 20251.66%
Q4 20251.48%
Q1 20262.03%
Q2 20260.73%
Return on assets
1.33%1.63%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.57%
Q3 20241.51%
Q4 20241.33%
Q1 20251.85%
Q2 20251.75%
Q3 20251.79%
Q4 20251.59%
Q1 20261.85%
Q2 20261.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$640.2M9.81%0.73%1.94%97.0%
Q1 202655$636.3M9.53%2.03%1.85%91.4%
Q4 202558$628.4M9.38%1.48%1.59%93.0%
Q3 202559$624.0M9.63%1.66%1.79%93.7%
Q2 202557$594.8M9.45%1.74%1.75%99.6%
Q1 202570$598.5M9.28%0.44%1.85%94.4%
Q4 202465$585.8M9.23%0.50%1.33%96.9%
Q3 202466$583.9M9.44%0.60%1.51%94.1%
Q2 202467$564.7M9.34%0.62%1.57%95.0%

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).

Capital ratio9.81%
27th
Total risk-based capital0.00%
24th
Problem loans0.73%
36th
Net charge-offs0.27%
9th
Return on assets1.94%
85th
Net interest margin4.17%
63rd
Efficiency ratio61.3%
53rd
Loans to deposits97.0%
14th
Uninsured deposits27.9%
35th
Loan-loss reserves1.14%
44th
Texas ratio12.8%
13th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Bank & Trust CompanyBank Litchfield, IL75 out of 100, Strong$641.3M11.3%0.37%vs
Legence BankBank Eldorado, IL70 out of 100, Strong$642.9M9.5%1.17%vs
Stillman BancCorp N.A.Bank Stillman Valley, IL66 out of 100, Moderate$645.6M9.2%0.65%vs
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Peoples Bank & TrustBank Pana, IL64 out of 100, Moderate$656.6M10.7%1.58%vs
The First National Bank of CarmiBank Carmi, IL75 out of 100, Strong$622.2M11.4%0.35%vs

Deposit insurance

Is my money safe at TrustBank?

Yes. TrustBank is an FDIC-insured institution (FDIC certificate #14662). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.9% of deposits ($155.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.81%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

TrustBank lists 8 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, TrustBank reported 118 home-loan applications under HMDA (LEI 549300JMCI45DZ4YNK98): 100 originated ($23,250,000 total), 7 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.1%, 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
TrustBank
Former names
Olney Trust and Banking Company; Olney Trust Bank
Type
State-chartered bank
FDIC certificate #
14662
RSSD ID
338646
Primary regulator
FDIC
Holding company
Rich Land Bcorp Inc
Established
September 13, 1912
Headquarters
600 E Main St, Olney, IL 62450
Employees
107

Quick answers

TrustBank: common questions

Is TrustBank FDIC insured?

Yes. TrustBank is an FDIC-insured institution (FDIC certificate #14662). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TrustBank's TellerScore?

68 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 TrustBank ever failed?

There is no failure record for FDIC certificate #14662 in the FDIC failed bank list.

How many branches does TrustBank have?

8 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Olney

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National Bank of AlbionBank Albion, IL88 out of 100, Very strong$348.5M17.4%0.54%vs
Hershey Robinson Employees Credit UnionCredit union Robinson, IL86 out of 100, Very strong$3.3M25.0%1.37%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs
Sainte Marie State BankBank Sainte Marie, IL76 out of 100, Strong$23.0M15.8%0.31%vs
The First National Bank of CarmiBank Carmi, IL75 out of 100, Strong$622.2M11.4%0.35%vs
Casey State BankBank Casey, IL70 out of 100, Strong$496.7M11.0%1.02%vs