Hickory Point Bank&Trust (FDIC #22874): Bank Stress & Real-Estate Credit Exposure
Hickory Point Bank&Trust (FDIC Cert #22874): bank stress 63/100, elevated, STABLE over 7 days; parent FIRST ILLINOIS CORP.
Hickory Point Bank&Trust (#22874) lends in 3 counties across 1 state; Hickory Point Bank&Trust (#22874) reaches 91 ZIP codes: Illinois 3 counties, 91 ZIPs.
Hickory Point Bank&Trust (#22874) largest markets: Champaign County, IL (35 branches, 35 ZIPs) (#22874), Sangamon County, IL (30 branches, 30 ZIPs) (#22874), Macon County, IL (162 branches, 27 ZIPs) (#22874).
Hickory Point Bank&Trust (#22874) reports $717.5 million in total assets; Hickory Point Bank&Trust (#22874) equity $79.2 million (11.0% of Hickory Point Bank&Trust (#22874) assets); Hickory Point Bank&Trust (#22874) domestic deposits $626.8 million; Hickory Point Bank&Trust (#22874) net income $4.4 million; Hickory Point Bank&Trust (#22874) return on assets 1.22%; Hickory Point Bank&Trust (#22874) return on equity 11.24%; Hickory Point Bank&Trust (#22874) net interest income $12.5 million; Hickory Point Bank&Trust (#22874) call report June 30, 2026.
Hickory Point Bank&Trust (#22874) noncurrent real-estate loans: none reported; Hickory Point Bank&Trust (#22874) net charge-offs on real estate 0.19%; Hickory Point Bank&Trust (#22874) residential charge-offs 0.16%.
Hickory Point Bank&Trust (#22874) net interest margin 3.70% against an eight-quarter Hickory Point Bank&Trust (#22874) average of 3.45% (Hickory Point Bank&Trust (#22874) compression -0.25 points); Hickory Point Bank&Trust (#22874) non-residential real estate 16.3% of equity; Hickory Point Bank&Trust (#22874) rate-exposure score 40/100, Hickory Point Bank&Trust (#22874) fixed-rate trap 40/100; Hickory Point Bank&Trust (#22874) risk type credit driven; Hickory Point Bank&Trust (#22874) rate regime rates elevated, Hickory Point Bank&Trust (#22874) snapshot October 19, 2026.
Hickory Point Bank&Trust (#22874) stress score moved from 63.3 on June 22, 2026 to 62.5 on October 20, 2026; Hickory Point Bank&Trust (#22874) ranged 62.5 to 63.3 over 117 snapshots.
Hickory Point Bank&Trust (#22874) alerts: 3 counties; top Hickory Point Bank&Trust (#22874) alert scores: Champaign County, IL 39 (moderate); Forsyth County, IL 23 (low); Springfield County, IL 23 (low).