The catalogue › United States › Great Lakes › Illinois
The state note · prepared 7 September 2026

Illinois

326 banks and 190 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

326 banks filing · read from the 30 June 2026 Call Report
326
banks filing
$778B in assets
+4.6%
Loans, year over year
median; 74 above 10%, 89 shrinking
19.7%
CRE / loans
median
75.4%
Loans / deposits
median
0.53%
NPA / loans
median
10.4%
Equity / assets
median

Illinois's 326 banks hold $778B in assets at 30 June 2026. BMO Bank National Association is the largest at $255B, and the five largest hold 68% of the total; 55 institutions are above $1B, holding $701B.

Loans grew a median +4.6% in the year to 30 June 2026: 74 institutions grew faster than 10% and 89 shrank. The median bank lends 75% of its deposits and holds commercial real estate at 19.7% of loans. Nonperforming loans sit at a median 0.53% of the book, return on assets at 1.14%, and equity at 10.4% of assets.

29 of the 326 are in the catalogue, each read from its own filing beside the banks its size in the state: BMO Bank National Association, Northern Trust Co., CIBC Bank USA, Busey Bank, Byline Bank, Wintrust Bank National Association, Lake Forest Bank & Trust Co. N.A., First Mid Bank & Trust N.A., First American Bank, Old Second National Bank, Hinsdale Bank & Trust Co. N.A., Heartland Bank & Trust Co., Midland States Bank, Northbrook Bank & Trust Co. N.A., Lakeside Bank, State Bank of the Lakes N.A., Beverly Bank & Trust Co. N.A., Inb National Association, FCB Banks, Republic Bank of Chicago, Schaumburg Bank & Trust Co. N.A., Crystal Lake Bank & Trust Co. N.A., First Bank Chicago, International Bank of Chicago, First National Bank of Waterloo, Fortress Bank, Farmers National Bank, Liberty Bank for Savings, Resource Bank National Association.

Who holds the state's assetseach institution's share of the $778B the state's 326 hold; the largest first, amber in the catalogue
BMO Bank National Association: 32.8%BB33%Northern Trust Co.: 22.9%NT23%CIBC Bank USA: 8.5%CB9%Busey Bank: 2.3%Byline Bank: 1.3%Wintrust Bank National Association: 1.2%Lake Forest Bank & Trust Co. N.A.: 1.2%First Mid Bank & Trust N.A.: 1.2%First American Bank: 1.1%Old Second National Bank: 0.9%316 others 27%BBBMO Bank National Ass…32.8%NTNorthern Trust Co.22.9%CBCIBC Bank USA8.5%BBBusey Bank2.3%BBByline Bank1.3%WBWintrust Bank Nationa…1.2%LFLake Forest Bank & Tr…1.2%FMFirst Mid Bank & Trus…1.2%FAFirst American Bank1.1%OSOld Second National B…0.9%

BMO Bank National Association holds 32.8% of the state's bank assets; the five largest hold 68%, and 55 of the 326 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestBMO Bank National Associa…: 33% of the totalThe five largest68% of the totalThe ten largest73% of the totalGINI0.90 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 68% of the assets in 2% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Commercial & industrial25.7%$109BOther loans and leases17.3%$73.4B1-4 family residential, closed-end13.9%$59.0BNonfarm nonresidential, non-owner-occupied13.1%$55.6BNonfarm nonresidential, owner-occupied7.8%$33.0BMultifamily5.7%$24.0BConsumer, other4.5%$19.2BConstruction & land4.5%$19.0BFarmland2.2%$9.4BHome equity lines2.1%$8.9BAgricultural production1.6%$6.7BStates & municipalities0.7%$3.1BAuto0.6%$2.7BCredit card0.2%$838M

Commercial & industrial is the largest category at 25.7% of the state's $424B in loans, then Other loans and leases at 17.3% and 1-4 family residential, closed-end at 13.9%.

Loans, year over yearIllinois banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 324 · amber, in the catalogue
state median +4.6% SN Servbank National Association +190.2% SM Sainte Marie State Bank +59.5% HB Heartland Bank & Trust Co. +42.0% FB Federated Bank +37.2% CG Camp Grove State Bank +36.7% OS Old Second National Bank +31.1% FN First National Bank & Trust Co. +28.2% SB Smartbiz Bank National Association +27.0% FS First Security Bank +25.4% BV Buena Vista National Bank +23.9% LC Longview Community Bank +22.8% nB 1nb Bank +22.6% TC Town & Country Bank Midwest +22.2% MF Midland Federal Savings & Loan As… +22.2% SB Security Bank S Bank +21.8% FR First Robinson Savings Bank N.A. +21.6% FS First Secure State Bank +21.3% CB Community Bank of Easton +21.2% FN First National Bank of Ava +20.9% FM First Mid Bank & Trust N.A. +20.2% FN First National Bank in Taylorville +19.9% PS Princeville State Bank +19.1% SB Stillman Banccorp N A +18.0% LB Longview Bank +18.0% CN Chester National Bank +17.7%

Servbank National Association grew fastest at +190.2%; 74 grew faster than 10% and 89 shrank, GN Bank the most at -18.1%. The median is +4.6%.

Commercial real estate, share of loansIllinois banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 324 · amber, in the catalogue
state median 19.7% AN Albank National Association 77.5% MB Marquette Bank 77.4% HB Heritage Bank of Schaumburg 74.6% FN First National Bank of Brookfield 72.5% LB Lakeside Bank 72.5% AB Amalgamated Bank of Chicago 68.5% PB Parkway Bank & Trust Co. 65.3% PB Peoplefirst Bank 61.5% sE 1st Equity Bank 57.4% PB Providence Bank & Trust 56.8% FN First Nations Bank 56.5% FS First Secure Bank & Trust Co. 53.6% HS Hoyne Savings Bank 53.4% FB FNBC Bank & Trust 52.4% PB Prospect Bank 52.2% MB Millennium Bank 51.5% HP Hickory Point Bank & Trust 51.1% SN Servbank National Association 50.7% Bo Bank of Bourbonnais 50.6% BB Blackhawk Bank & Trust 50.6% FP Forest Park National Bank & Trust… 49.6% CC Citizens Community Bank 49.3% PA Pan American Bank & Trust 48.7% IN Inb National Association 48.0% HB Heartland Bank & Trust Co. 46.8%

Albank National Association is the most CRE-weighted at 77.5% of loans; 48 of the 326 are above 40%, against a median of 19.7%.

Commercial real estate against capital, the 300% screenIllinois banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 325 · amber, in the catalogue
state median 107% 300% screen MB Marquette Bank 576% FN First National Bank of Brookfield 518% LB Lakeside Bank 491% MB Millennium Bank 444% PB Parkway Bank & Trust Co. 433% FP Forest Park National Bank & Trust… 412% AE American Eagle Bank 411% PA Pan American Bank & Trust 401% AB Amalgamated Bank of Chicago 386% PB Prospect Bank 378% FS First Secure Bank & Trust Co. 367% HB Heritage Bank of Schaumburg 363% IN Inb National Association 349% PB Providence Bank & Trust 346% AN Albank National Association 344% PB Peoplefirst Bank 333% HB Holcomb Bank 332% FB Fidelity Bank 332% CS Community State Bank 319% CB Cibm Bank 319% FB First Bank Chicago 318% SF Sterling Federal Bank FSB 311% FS First Secure Community Bank 309% DB Devon Bank 306% BB Blackhawk Bank & Trust 302%

25 of the 325 banks sit above the 300% screen, Marquette Bank the highest at 576% of capital; the median is 107%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenIllinois banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 325 · amber, in the catalogue
state median 17% 100% screen FB Fidelity Bank 282% FS Federal Savings Bank 146% FN First National Bank of Brookfield 145% LB Lakeside Bank 137% CS Community State Bank 119% AE American Eagle Bank 110% Bo Bank of Springfield 110% BB Blackhawk Bank & Trust 96% UC United Community Bank 88% CN Chester National Bank 86% SB State Bank 82% FS Farmers State Bank of Alto Pass I… 82% CC Citizens Community Bank 80% FB FCB Banks 78% BB Banterra Bank 78% FE First Eagle Bank 77% LB Longview Bank 75% RB Republic Bank of Chicago 75% Bo Bank of O Fallon 74% FN Fisher National Bank 71% Bo Bank of Farmington 69% FB First Bank Chicago 68% MN Midamerica National Bank 66% MB Millennium Bank 63% FM Farmers & Merchants National Bank… 62%

7 of the 325 banks sit above the 100% construction screen, Fidelity Bank the highest at 282%; the median is 17%.

Loans to depositsIllinois banks, 30 June 2026 · listed highest first · the 25 highest of 326 · amber, in the catalogue
state median 75% MF Mutual Federal Bank 132% FS Federal Savings Bank 131% SB State Bank of India 124% AE American Eagle Bank 122% CS Central Savings FSB 120% FN First National Bank of Brookfield 118% UT United Trust Bank 116% sE 1st Equity Bank 112% AM American Metro Bank 110% SB Southerntrust Bank 110% PB Parkway Bank & Trust Co. 106% OC Osb Community Bank 105% CB Community Bank 103% TC Town Center Bank 103% BN Bankchampaign National Association 102% Bo Bank of Springfield 101% FB Fortress Bank 101% CB Collinsville BLDG & Loan Associat… 100% CB Cibm Bank 100% PN Peoples National Bank N A 100% FS First State Bank 99% HN Havana National Bank 99% FS First State Bank of Forrest 99% FS First Security Bank 98% T Trustbank 98%

18 of the 326 lend more than they hold in deposits, Mutual Federal Bank the furthest at 132%; the median is 75%.

Nonperforming loans, share of loansIllinois banks, 30 June 2026 · listed highest first · the 25 highest of 324 · amber, in the catalogue
state median 0.53% GR Grand Rivers Community Bank 19.04% GB GN Bank 13.11% CS Chesterfield State Bank 11.20% FB First Bank & Trust Co. of Illinois 8.37% IS Iuka State Bank 7.98% PS Princeville State Bank 6.42% FS First Secure Bank & Trust Co. 6.29% SF Sterling Federal Bank FSB 6.26% PN Peoples National Bank of Kewanee 6.15% CC Citizens Community Bank 5.81% VS Vermont State Bank 5.08% SI Southern Illinois Bank 4.75% BB Barrington Bank & Trust Co. N.A. 4.75% CS Community State Bank of Rock Falls 4.67% FS First State Bank of Van Orin 4.54% SB State Bank of Whittington 4.43% MN Midamerica National Bank 4.37% MB Millennium Bank 4.37% FS Farmers State Bank 4.30% Bo Bank of Yates City 4.27% PB Preferred Bank 4.22% CC Clay County State Bank 3.82% BB Burling Bank 3.77% SB State Bank of Nauvoo 3.71% SB State Bank of Graymont 3.61%

Grand Rivers Community Bank carries the most nonperforming loans at 19.04% of the book; 118 of the 326 are above 1%, and the median is 0.53%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%2.50%3.00%NPA / loansAllowance / loansFNFarmers National Bank+3.00%HSHartsburg State Bank+2.74%BoBank of Rantoul+2.04%WSWashington State Bank+1.97%BoBank of Bourbonnais+1.91%CBCitizens Bank of Edinburg+1.78%FNFirst National Bank in Amboy+1.78%SBState Bank of Geneva+1.78%BNBankchampaign National Association+1.77%SBState Bank of Pearl City+1.69%FNFirst Nations Bank+1.67%CBCommunity Bank of Elmhurst+1.67%FNFirst National Bank of Ava+1.66%IBInternational Bank of Chicago+1.62%VGVilla Grove State Bank+1.57%FNFirst National Bank of Brookfield+1.52%sE1st Equity Bank+1.51%PBProvidence Bank & Trust+1.47%FCFirst Community Bank Moultrie Cnty+1.47%DQDu Quoin State Bank+1.45%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 105 of the 326 hold an allowance smaller than their nonperforming loans.

Return on assetsIllinois banks, 30 June 2026 · listed highest first · the 25 highest of 325 · amber, in the catalogue
state median 1.14% CT Country Trust Bank 21.32% VS Vermont State Bank 6.34% TC Town & Country Bank Midwest 3.19% GB Grundy Bank 3.07% CS Central State Bank 2.92% MT Municipal Trust & Savings Bank 2.88% FS First State Bank of Beecher City 2.73% GS Goodfield State Bank 2.68% SS State Street Bank & Trust Co. 2.35% BB Burling Bank 2.23% FE First Eagle Bank 2.22% Cs Community 1st Bank Heartland 2.22% FC Frederick Community Bank the 2.20% PB Peoples Bank & Trust 2.18% GT Germantown Trust & Savings Bank 2.17% FS Farmers State Bank of Alto Pass I… 2.15% BN Bankchampaign National Association 2.11% KB Kinmundy Bank 2.08% BB Byron Bank 2.06% LF Lake Forest Bank & Trust Co. N.A. 2.04% VB Village Bank & Trust N.A. 2.04% TB Time Bank 2.01% WB Wintrust Bank National Association 1.96% SN Servbank National Association 1.95% LB Legence Bank 1.95%

Country Trust Bank earns the most at 21.32% and Streator Home Savings Bank the least at -19.82%; 51 of the 326 earn under 0.50%, and the median is 1.14%.

The efficiency ratio, with the return beside itIllinois banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 324 · amber, in the catalogue
state median 63.8% NB Northbrook Bank & Trust Co. N.A. 29.5% ROA 1.52% VB Village Bank & Trust N.A. 30.4% ROA 2.04% WB Wheaton Bank & Trust N.A. 32.6% ROA 1.63% LB Libertyville Bank & Trust Co. N.A. 33.4% ROA 1.49% CL Crystal Lake Bank & Trust Co. N.A. 34.0% ROA 1.52% GT Germantown Trust & Savings Bank 34.0% ROA 2.17% SB Schaumburg Bank & Trust Co. N.A. 34.5% ROA 1.72% MT Municipal Trust & Savings Bank 36.2% ROA 2.88% HB Hinsdale Bank & Trust Co. N.A. 36.8% ROA 1.43% CB CIBC Bank USA 36.8% ROA 1.53% SB State Bank of the Lakes N.A. 37.2% ROA 1.39% KB Kinmundy Bank 37.4% ROA 2.08% SC ST Charles Bank & Trust Co. N.A. 37.7% ROA 1.43% TS Teutopolis State Bank 38.6% ROA 1.77% FE First Eagle Bank 40.4% ROA 2.22% VV Vermilion Valley Bank 40.5% ROA 1.88% TC Town & Country Bank Midwest 40.6% ROA 3.19% UN Union National Bank & Trust Co. o… 41.5% ROA 1.47% FT First Trust & Savings Bank of Wat… 41.6% ROA 1.73% SB Signature Bank 41.7% ROA 0.07% GS Goodfield State Bank 41.9% ROA 2.68% LF Lake Forest Bank & Trust Co. N.A. 42.4% ROA 2.04% FN First National Bank of Brookfield 43.8% ROA 1.83% FM Farmers & Merchants Bank Hutsonv 44.1% ROA 1.91% Bo Bank of O Fallon 44.1% ROA 1.79%

Northbrook Bank & Trust Co. N.A. runs the leanest at 29.5% of revenue in cost; 55 of the 326 spend more than 80 cents of every revenue dollar, and the median is 63.8%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
BMO Bank National Association$255B-0.5%14.6%73%0.92%0.15%14.3%
Northern Trust Co.$179B+1.2%12.3%30%0.23%1.59%6.7%
CIBC Bank USA$66.5B+14.6%32.3%84%1.35%1.53%17.4%
Busey Bank$18.1B-4.5%38.2%87%0.51%1.34%13.7%
Byline Bank$9.9B+2.9%23.3%96%0.93%1.66%14.1%
Wintrust Bank National Association$9.6B+0.4%31.2%96%0.36%1.96%11.6%
Lake Forest Bank & Trust Co. N.A.$9.3B+6.2%15.4%95%0.34%2.04%9.5%
First Mid Bank & Trust N.A.$9.1B+20.2%41.0%91%0.58%1.09%11.8%
First American Bank$8.6B+9.4%32.6%61%0.60%1.48%8.1%
Old Second National Bank$6.9B+31.1%31.9%96%1.08%1.68%13.5%
Hinsdale Bank & Trust Co. N.A.$6.8B+16.0%21.2%90%0.16%1.43%10.1%
Heartland Bank & Trust Co.$6.7B+42.0%46.8%82%0.19%1.31%13.1%
Midland States Bank$6.7B-16.2%44.6%74%1.43%1.21%9.2%
Northbrook Bank & Trust Co. N.A.$6.4B+9.0%23.5%83%0.27%1.52%8.3%
Morton Community Bank$5.3B-0.8%42.5%75%0.81%1.59%9.4%
Five years, 2021 to 2026the 325 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$274B$424B+55%
Deposits, in total$487B$625B+28%
NPA / loans, median0.54%0.54%+0.00 pts
Efficiency, median64.4%63.8%-0.5 pts
ROA, median1.02%1.15%+0.13 pts

Small-business lending

SBA 7(a) approvals into Illinois since FY2008, across every lender type

$15.1B of 7(a) credit has been approved into Illinois since FY2008 across 35,506 loans. Accommodation & food services is the largest category at 19.2%, Retail trade at 13.2%, Manufacturing at 10.6%; the three together are 43% of the money. The heaviest losses fall in Wholesale trade, at 4.27% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 537 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
BB Byline Bank 15.8% $2.4B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans ON Old National Bank 1.6% $236M · 288 loans FA First American Bank 1.4% $215M · 501 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services20.1%$2.9B · 4,553 loansRetail trade13.8%$2.0B · 4,097 loansManufacturing11.1%$1.6B · 2,593 loansOther services9.9%$1.4B · 3,685 loansHealth care & social assistance9.3%$1.3B · 3,235 loansProfessional & technical services7.3%$1.1B · 3,513 loansWholesale trade6.6%$954M · 1,828 loansConstruction6.4%$922M · 3,590 loansTransportation & warehousing5.0%$720M · 3,265 loansArts, entertainment & recreation4.1%$597M · 1,128 loansAdministrative & waste services3.3%$473M · 1,598 loansReal estate & leasing3.0%$434M · 760 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$2.9B4,55319.2%$72M2.49%
Retail trade$2.0B4,09713.2%$79M3.99%
Manufacturing$1.6B2,59310.6%$37M2.33%
Other services$1.4B3,6859.5%$34M2.41%
Health care & social assistance$1.3B3,2358.9%$24M1.82%
Professional & technical services$1.1B3,5137.0%$36M3.38%
Wholesale trade$954M1,8286.3%$41M4.27%
Construction$922M3,5906.1%$30M3.20%
Transportation & warehousing$720M3,2654.8%$25M3.53%
Arts, entertainment & recreation$597M1,1284.0%$21M3.55%
Administrative & waste services$473M1,5983.1%$18M3.70%
Real estate & leasing$434M7602.9%$12M2.70%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Cook$6.6B16,521282
Dupage$2.0B4,121188
Lake$1.1B2,301160
Will$820M1,824145
Kane$795M1,740141
Mchenry$456M1,027108
Winnebago$328M89874
Madison$254M54591
Sangamon$252M76461
Saint Clair$201M56690

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Illinois institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Illinois

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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