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Constitution Bank, National Association
Hillsboro, IL · FDIC Certificate #16276 · Chartered 07/0
Total assets
$683.07M
Total deposits
$618.56M
Total equity
$62.13M
Net loans
$485.16M
Branches (offices)
14
Net income (YTD)
$3.82M
Rank: #1,398 of 4,213 U.S. banks by assets · #79 of 322 in Illinois. Assets changed 4.6% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 12.69% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 9.10% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 27.4% |
| Noncurrent loans (share of loans) | 0.62% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 78.4% |
| Real estate loans (share of loans) | 89.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $434.45M | 89.5% | |
| Commercial & industrial | $31.35M | 6.5% | |
| Consumer / individual | $5.68M | 1.2% | |
| Construction & development | $14.54M | 3.0% | |
| Agricultural | $10.68M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $530.68M | $490.02M | $2.03M | $35.70M |
| Jun 2023 | $571.68M | $532.87M | $2.48M | $37.48M |
| Jun 2024 | $598.66M | $552.79M | $1.44M | $43.85M |
| Jun 2025 | $652.74M | $598.19M | $3.13M | $52.51M |
| Jun 2026 | $683.07M | $618.56M | $3.82M | $62.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $618.56M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $618.56M.
Similar-sized banks
Infirst Bank ($683.20M) · The Community Bank ($680.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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