Hickory Point Bank and Trust: how it compares with its peers
Against 85 IL banks with half to twice its assets, Hickory Point Bank and Trust's strongest measure in Q2 2026 is net interest margin (3.70% vs. a 3.64% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $7.6M).
| Measure | Hickory Point Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 1.14% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.64% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.93% | 61.74% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $7.6M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.02% | 77.88% | Context |
What it means for lending operations
Its efficiency ratio of 65.93% is above the 61.74% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Prospect Bank Paris, IL · $716M
- Albank National Association Chicago, IL · $722M
- Time Bank Park Ridge, IL · $713M
- The Bradford National Bank of Greenville Greenville, IL · $723M
- Longview Bank Ogden, IL · $732M
- First Neighbor Bank, National Association Toledo, IL · $736M
Questions about Hickory Point Bank and Trust
How big is Hickory Point Bank and Trust?
Hickory Point Bank and Trust, established in 1979, is headquartered in Decatur, IL. It reported $718M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Hickory Point Bank and Trust's return on assets?
1.22% annualized in Q2 2026, against a 1.14% median for 85 IL banks with half to twice its assets, ahead of 56% of them.
What is Hickory Point Bank and Trust's efficiency ratio?
65.93% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 61.74%, and lower is better.
Is Hickory Point Bank and Trust growing its loans?
Net loans shrank 7.1% over the year to Q2 2026, while deposits shrank 3.7%.
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.