TrustBank
Olney, Illinois, Richland County
$640M in total assets, the 1,508th largest of 4,309 US banks and 87th of 328 headquartered in Illinois.
- FDIC certificate
- 14662
- Established
- 1912
- Owned by
- Rich Land Bcorp Inc
- Primary regulator
- FDIC
- Website
- https://trustbank.net
At a glance
Compared with 211 banks headquartered in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $640M | 85% | $286M | |
| Loans | $547M | 95% | $174M | |
| Deposits | $558M | 87% | $237M | |
| Return on assets | 1.70% | 86% | 1.12% | |
| Net interest margin | 4.17% | 77% | 3.70% | |
| Efficiency ratio | 61.3% | 39% | 64.2% | |
| Equity to assets | 10.04% | 44% | 10.44% | |
| Loans to deposits | 98% | 92% | 76% |
Growth
Total assets grew 14.4% a year over the last 5 years and 13.8% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2022 | TNB Bank Tuscola, IL, an affiliate under the same holding company | $101M |
| Aug 2000 | Cisne State Bank Cisne, IL, an affiliate under the same holding company | $22M |
Where they operate
8 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Richland County, IL | $291M | 45.2% | 1 of 4 |
| Maricopa County, AZ | $105M | 0.1% | 41 of 55 |
| Douglas County, IL | $88M | 12.0% | 4 of 8 |
| Dupage County, IL | $48M | 0.1% | 40 of 43 |
| Wayne County, IL | $26M | 4.4% | 4 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (6 to 8, +33.3%). 2 opened, 1 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2020 | Opened ScottsdaleClosed Mesa | 1 | 1 | 0 | 6 |
| 2022 | Acquired TNB Bank | 1 | 0 | +1 | 7 |
| 2023 | Opened Wheaton | 1 | 0 | +1 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 34% | 30% | |
| Commercial real estate | 27% | 23% | |
| Farmland | 20% | 13% | |
| Business (C&I) | 6% | 12% | |
| Agricultural | 5% | 7% | |
| Construction and land | 5% | 4% | |
| Multifamily | 3% | 6% | |
| Consumer | 1% | 4% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 42% | 47% | |
| Time deposits | 39% | 34% | |
| Noninterest-bearing | 18% | 19% |
Brokered deposits are 1.8% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.69% | 0.50% |
| Net charge-offs, annualized | 0.27% | 0.01% |
| Reserves to loans | 1.14% | 1.14% |
| Leverage ratio | 9.81% | 10.91% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Richland County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/trustbank