Bank & Trust Company: how it compares with its peers
Against 99 IL banks with half to twice its assets, Bank & Trust Company's strongest measure in Q2 2026 is efficiency ratio (57.20% vs. a 62.41% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $7.4M).
| Measure | Bank & Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.19% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.68% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.20% | 62.41% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.4M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.91% | 77.90% | Context |
What it means for lending operations
Its efficiency ratio of 57.20% is better than the 62.41% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- TrustBank Olney, IL · $640M
- Legence Bank Eldorado, IL · $643M
- Stillman BancCorp N.A. Stillman Valley, IL · $646M
- First Eagle Bank Chicago, IL · $650M
- Peoples Bank & Trust Pana, IL · $657M
- The First National Bank of Carmi Carmi, IL · $622M
Questions about Bank & Trust Company
How big is Bank & Trust Company?
Bank & Trust Company, established in 1902, is headquartered in Litchfield, IL. It reported $641M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Bank & Trust Company's return on assets?
1.13% annualized in Q2 2026, against a 1.19% median for 99 IL banks with half to twice its assets, ahead of 44% of them.
What is Bank & Trust Company's efficiency ratio?
57.20% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 62.41%, and lower is better.
Is Bank & Trust Company growing its loans?
Net loans grew 10.4% over the year to Q2 2026, while deposits grew 3.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.