Bank & Trust Company

401 North Madison Street
Litchfield, IL 62056

Notable Rates APY Vs.Others
Savings 0.25% 2.20% →
1-Year CD 1.00% 2.20% →
2-Year CD 1.51% 2.20% →
5-Year CD 2.12% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Bank & Trust Company is an FDIC insured institution located in Litchfield, IL. It was founded in 1902 and has approximately $0.34 billion in assets. Customers can open an account at one of its 7 branches.

FDIC Insured Yes
FDIC Certificate # 1047
Date Established 1902
Assets $0.34 billion
Loans $0.24 billion
Deposits $0.29 billion
Capital $0.04 billion

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

Deposit Rates - February 25, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 $24,999 Learn MoreShow Less
Money Market
0.23% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.40% $1,000 - Learn MoreShow Less
6 Mo CD
0.50% $1,000 - Learn MoreShow Less
12 Mo CD
1.00% $1,000 - Learn MoreShow Less
Special: 15 Mo CD
2.25% $1,000 - Learn MoreShow Less
18 Mo CD
1.76% $1,000 - Learn MoreShow Less
24 Mo CD
1.51% $1,000 - Learn MoreShow Less
30 Mo CD
1.61% $1,000 - Learn MoreShow Less
36 Mo CD
1.76% $1,000 - Learn MoreShow Less
48 Mo CD
2.07% $1,000 - Learn MoreShow Less
60 Mo CD
2.12% $1,000 - Learn MoreShow Less

Fixed IRA
1.00% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.26% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.20% $2,500 $49,999 Learn MoreShow Less

Loan Rates - February 25, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bank & Trust Company

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
NMLS ID: 2890
License#: 13256
3.163% 3.125% 0.50 $1,192 $1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
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Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
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Note to Bank & Trust Company
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Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank & Trust Company. 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 & Trust Company U.S. Bank Average
1.76% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 September 30, 2019, Bank & Trust Company had $704,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $36,197,000 in equity and $3,810,000 in loans loss reserves. That gives it a Texas Ratio of 1.76%.

Return on Equity
Bank & Trust Company U.S. Bank Average
9.7% 9.72%

Bank & Trust Company has a Return on Equity of 9.7% versus the BestCashCow average of 9.72%. 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 & Trust Company U.S. Bank Average
10.61% 12.89%

Bank & Trust Company has a Capitalization of 10.61% versus the BestCashCow average of 12.89. 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 & Trust Company Balance Sheet Analysis

As of September 30, 2019, Bank & Trust Company had assets of $341,286,000, loans of $239,612,000, and deposits of $288,033,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.08 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.24 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 $0.00 billion
     Total Assets $0.31 billion
Total deposits $0.29 billion
      Interest-bearing deposits $0.24 billion
      Deposits held in domestic offices $0.29 billion
      % insured (estimated) 84.75%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.31 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bank & Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Illinois, Bank & Trust Company has a significantly higher percent of Small Business 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 26.05
Credit Card Loans 0.00
Consumer Auto Loans 2.48
Small Business Loans 9.18
Construction and Development Loans 2.64
Commercial Real Estate 25.79
Commercial and Industrial Loans 12.98
Farm Loans 4.64

Frequently Asked Questions About Bank & Trust Company

Branches and Savings

Is Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #1047.

Why does Bank & Trust Company pay such low interest on savings accounts?

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

Why are Bank & Trust Company CD rates not competitive?

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

Is Bank & Trust Company a commercial bank?


Where are Bank & Trust Company locations?

See branch locations nearby.

Is Bank & Trust Company open on Saturdays?

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What time does Bank & Trust Company close?

Are Bank & Trust Company ATMs Open 24/7?

Do Bank & Trust Company ATMs accept cash deposits?

Can Bank & Trust Company customers use other ATMs?

Do Bank & Trust Company branches have notaries?

Will Bank & Trust Company notarize my document?

What address for Bank & Trust Company should I put for incoming ACH transfers?

Will the Bank & Trust Company branch print checks?

Do Bank & Trust Company checks expire?

Does Bank & Trust Company require US citizenship to open account?

Can Bank & Trust Company close my account?

Does Bank & Trust Company Report to credit bureaus?

Does Bank & Trust Company Use Equifax?

What is Bank & Trust Company's ACH Routing Number?

What is Bank & Trust Company's SWIFT code?


Does Bank & Trust Company offer mortgages?

Compare mortgage rates here.

Does Bank & Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does Bank & Trust Company offer student loans?

Will Bank & Trust Company cash a check?

Will Bank & Trust Company redeem a savings bond?

Does Bank & Trust Company cash savings bonds?

Will Bank & Trust Company cash money orders?

Can Bank & Trust Company issue a money order?

Does Bank & Trust Company do currency exchange?

Background on The Bank

Who owns Bank & Trust Company?

How long has Bank & Trust Company been around?

Can Bank & Trust Company transfer to other banks?

Does Bank & Trust Company have quick pay?

Does Bank & Trust Company accept rolled coins?

Will Bank & Trust Company accept loose change?

Where is Bank & Trust Company headquarters?

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