Bank of Rantoul

201 East Champaign
Rantoul, IL 61866


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11711
Date Established 1920
Assets $0.23 billion
Loans $0.10 billion
Deposits $0.20 billion
Capital $0.03 billion

Bank of Rantoul is an FDIC insured institution located in Rantoul, IL. It was founded in 1920 and has approximately $0.23 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Bank of Rantoul's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 25, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.12% $1 - Learn MoreShow Less
Premium Money Market Account
0.60% $10,000 - Learn MoreShow Less
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
0.60% $500 - Learn MoreShow Less
12 Mo CD
1.00% $500 - Learn MoreShow Less
18 Mo CD
1.25% $500 - Learn MoreShow Less
24 Mo CD
1.35% $500 - Learn MoreShow Less
30 Mo CD
1.40% $500 - Learn MoreShow Less
36 Mo CD
1.45% $500 - Learn MoreShow Less
48 Mo CD
1.60% $500 - Learn MoreShow Less
60 Mo CD
1.80% $500 - Learn MoreShow Less

Fixed IRA
1.00% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - August 25, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for Bank of Rantoul

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to Bank of Rantoul
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Financial Details

Bank of Rantoul Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Rantoul. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Rantoul U.S. Bank Average
15.2% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Bank of Rantoul had $4,164,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $25,264,000 in equity and $2,128,000 in loans loss reserves. That gives it a Texas Ratio of 15.2%.

Return on Equity
Bank of Rantoul U.S. Bank Average
19.19% 9.47%

Bank of Rantoul has a Return on Equity of 19.19% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Rantoul U.S. Bank Average
10.96% 12.49%

Bank of Rantoul has a Capitalization of 10.96% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Rantoul Balance Sheet Analysis

As of March 31, 2019, Bank of Rantoul had assets of $230,460,000, loans of $104,066,000, and deposits of $196,220,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.21 billion
Total deposits $0.20 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.20 billion
      % insured (estimated) 77.48%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.21 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bank of Rantoul’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Farm Loans.

Compared to other banks in Illinois, Bank of Rantoul has a significantly higher percent of Commercial and Industrial Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.09
Credit Card Loans 0.31
Consumer Auto Loans 0.20
Small Business Loans 0.00
Construction and Development Loans 0.32
Commercial Real Estate 24.06
Commercial and Industrial Loans 30.79
Farm Loans 20.79

Frequently Asked Questions About Bank Of Rantoul

Branches and Savings

Is Bank Of Rantoul FDIC insured?

Yes. It is covered under FDIC Certificate #11711.

Why does Bank Of Rantoul pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Rantoul CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Rantoul a commercial bank?


Where are Bank Of Rantoul locations?

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Does Bank Of Rantoul offer mortgages?

Compare mortgage rates here.

Does Bank Of Rantoul offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Rantoul offer personal loans?

Compare personal loan rates here.

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Background on The Bank

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