Bank&Trust Co (FDIC #1047): Bank Stress & Real-Estate Credit Exposure
Bank&Trust Co (FDIC Cert #1047): bank stress 65/100, elevated, STABLE over 7 days; parent LBT BANCSHARES INC.
Bank&Trust Co (#1047) lends in 3 counties across 1 state; Bank&Trust Co (#1047) reaches 77 ZIP codes: Illinois 3 counties, 77 ZIPs.
Bank&Trust Co (#1047) largest markets: Sangamon County, IL (60 branches, 30 ZIPs) (#1047), Macoupin County, IL (28 branches, 28 ZIPs) (#1047), Montgomery County, IL (224 branches, 28 ZIPs) (#1047).
Bank&Trust Co (#1047) reports $641.3 million in total assets; Bank&Trust Co (#1047) equity $68.9 million (10.7% of Bank&Trust Co (#1047) assets); Bank&Trust Co (#1047) domestic deposits $540.5 million; Bank&Trust Co (#1047) net income $3.6 million; Bank&Trust Co (#1047) return on assets 1.13%; Bank&Trust Co (#1047) return on equity 10.70%; Bank&Trust Co (#1047) net interest income $11.4 million; Bank&Trust Co (#1047) call report June 30, 2026.
Bank&Trust Co (#1047) noncurrent real-estate loans: none reported; Bank&Trust Co (#1047) net charge-offs on real estate 0.39%; Bank&Trust Co (#1047) residential charge-offs 0.21%.
Bank&Trust Co (#1047) net interest margin 3.70% against an eight-quarter Bank&Trust Co (#1047) average of 3.43% (Bank&Trust Co (#1047) compression -0.27 points); Bank&Trust Co (#1047) non-residential real estate 20.6% of equity; Bank&Trust Co (#1047) rate-exposure score 40/100, Bank&Trust Co (#1047) fixed-rate trap 40/100; Bank&Trust Co (#1047) risk type credit driven; Bank&Trust Co (#1047) rate regime rates elevated, Bank&Trust Co (#1047) snapshot October 20, 2026.
Bank&Trust Co (#1047) stress score moved from 64.6 on June 22, 2026 to 65.3 on October 20, 2026; Bank&Trust Co (#1047) ranged 64.6 to 65.3 over 117 snapshots.
Bank&Trust Co (#1047) alerts: 3 counties; top Bank&Trust Co (#1047) alert scores: Carlinville County, IL 23 (low); Rochester County, IL 23 (low); Witt County, IL 23 (low).