BankChampaign, National Association


2101 S Neil St
Champaign, IL 61820
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 2.53% →
1-Year CD 0.50% 2.79% →
2-Year CD 0.75% 3.20% →
5-Year CD 1.30% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

BankChampaign, National Association is an FDIC insured institution located in Champaign, IL. It was founded in 1977 and has approximately $0.26 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 22434
Date Established 1977
Assets $ 256.28 million
Loans $ 165.47 million
Deposits $ 211.67 million
Capital $ 25.67 million

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

Deposit Rates - August 7, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
0.10% $200 - Learn More
Money Market
0.05% $2,500 $9,999 Learn More
Money Market
0.10% $10,000 $24,999 Learn More
Money Market
0.20% $25,000 - Learn More
6 Mo CD
0.30% $2,500 $99,999 Learn More
6 Mo CD
0.30% $100,000 - Learn More
12 Mo CD
0.50% $500 $99,999 Learn More
12 Mo CD
0.50% $100,000 - Learn More
18 Mo CD
0.60% $500 - Learn More
0.75% $500 $99,999 Learn More
24 Mo CD
0.75% $100,000 - Learn More
30 Mo CD
0.85% $500 - Learn More
36 Mo CD
1.00% $500 - Learn More
48 Mo CD
1.15% $500 - Learn More
60 Mo CD
1.30% $500 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $200 - Learn MoreShow Less

Loan Rates - August 7, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for BankChampaign, National Association

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

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
Choicelend Mortgage
NMLS ID: 292770
License#: 01739645
4.584% 4.500%
1.00 points
$2,472 fees
$1,267 Learn More
First Internet Bank
NMLS ID: 424182
5.203% 5.125%
0.88 points
$2,202 fees
$1,362 Learn More
NMLS ID: 2890
License#: 413-0477
4.960% 4.875%
0.63 points
$2,460 fees
$1,324 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to BankChampaign, National Association
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BankChampaign, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

BankChampaign, National Association Locations

Climate Initiatives

BankChampaign, National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

BankChampaign, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BankChampaign, National Association. 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
BankChampaign, National Association U.S. Bank Average
5.94% 4.01%

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 March 31, 2022, BankChampaign, National Association had $280,000 in non-current loans and $1,421,000 in owned real estate. To cover these potential losses it had $25,671,000 in equity and $2,961,000 in loans loss reserves. That gives it a Texas Ratio of 5.94%.

Return on Equity
BankChampaign, National Association U.S. Bank Average
12.04% 9.01%

BankChampaign, National Association has a Return on Equity of 12.04% versus the BestCashCow average of 9.01%. 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.

BankChampaign, National Association U.S. Bank Average
10.02% 10.66%

BankChampaign, National Association has a Capitalization of 10.02% versus the BestCashCow average of 10.66. 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.

BankChampaign, National Association Balance Sheet Analysis

As of March 31, 2022, BankChampaign, National Association had assets of $256,283,000, loans of $165,469,000, and deposits of $211,671,000. 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, 2022
Cash & Balances due from depository institutions $ 55.50 million
Interest-bearing balances $ 51.92 million
Total securities $ 25.84 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 165.47 million
Loan loss allowance $ 2.96 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.42 million
Goodwill and other intangibles N.A.
All other assets $ 5.43 million
     Total Assets $ 230.61 million
Total deposits $ 211.67 million
      Interest-bearing deposits $ 171.87 million
      Deposits held in domestic offices $ 211.67 million
      % insured (estimated) 78.86%
Federal funds purchased and repurchase agreements $ 13.54 million
Trading liabilities N.A.
Other borrowed funds $ 3.00 million
Subordinated debt N.A.
All other liabilities $ 2.40 million
      Total Liabilities $ 230.61 million
      Shareholders’ Equity $ 25.67 million

Summary Income Statement

March 31, 2022
Total Interest Income $ 2.14 million
Total Interest Expense $ 0.10 million
Net interest income $ 2.04 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.64 million
Total non interest expense $ 1.88 million
Pre-tax Net Operating Income $ 0.77 million

Bank Loan Profile?

The top three loan types in BankChampaign, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in Illinois, BankChampaign, National Association has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate 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 25.18
Credit Card Loans 0.00
Consumer Auto Loans 0.09
Small Business Loans 0.00
Construction and Development Loans 0.41
Commercial Real Estate 38.10
Commercial and Industrial Loans 10.76
Farm Loans 1.83

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