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Hickory Point Bank And Trust
Decatur, IL · FDIC Certificate #22874 · Chartered 06/0
Total assets
$717.52M
Total deposits
$626.75M
Total equity
$79.20M
Net loans
$432.57M
Branches (offices)
8
Net income (YTD)
$4.40M
Rank: #1,356 of 4,213 U.S. banks by assets · #74 of 322 in Illinois. Assets changed -2.8% and deposits -3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 11.24% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 11.04% |
| Tier 1 leverage ratio | 11.04% |
| Uninsured deposits (share of deposits) | 25.1% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 69.0% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $407.52M | 94.2% | |
| Commercial & industrial | $17.71M | 4.1% | |
| Consumer / individual | $620.00K | 0.1% | |
| Construction & development | $15.74M | 3.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $738.56M | $668.70M | $2.82M | $64.88M |
| Jun 2023 | $710.61M | $612.55M | $3.79M | $67.78M |
| Jun 2024 | $823.97M | $730.74M | $2.75M | $70.63M |
| Jun 2025 | $738.16M | $651.07M | $3.81M | $74.79M |
| Jun 2026 | $717.52M | $626.75M | $4.40M | $79.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $626.76M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $626.76M.
Similar-sized banks
Artisans' Bank ($718.23M) · First Fidelity Bank ($717.01M)
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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