Bank & Trust Company is an FDIC insured institution headquartered at
401 N Madison St, Litchfield, IL 62056.
It was founded in
1902 and has approximately $1 billion in assets. Customers can open an account at one of its 7 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.05% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.30% | $10,000 | Compare |
|
6 Mo CD
|
0.30% | $100,000 | Compare |
|
12 Mo CD
|
0.55% | $10,000 | Compare |
|
12 Mo CD
|
0.55% | $100,000 | Compare |
|
18 Mo CD
|
0.60% | $10,000 | Compare |
|
18 Mo CD
|
0.60% | $100,000 | Compare |
|
24 Mo CD
|
0.70% | $10,000 | Compare |
|
24 Mo CD
|
0.70% | $100,000 | Compare |
|
30 Mo CD
|
0.75% | $10,000 | Compare |
|
30 Mo CD
|
0.75% | $100,000 | Compare |
|
36 Mo CD
|
0.80% | $10,000 | Compare |
|
36 Mo CD
|
0.80% | $100,000 | Compare |
|
48 Mo CD
|
0.90% | $10,000 | Compare |
|
48 Mo CD
|
0.90% | $100,000 | Compare |
|
60 Mo CD
|
1.00% | $10,000 | Compare |
|
60 Mo CD
|
1.00% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.10% | $2,500 | Compare |
|
Money Market
|
0.10% | $10,000 | Compare |
|
Money Market
|
0.15% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.05% | $2,500 |
| Tap into your home's equity & access the funds you need with a HELOC | $0 |
|
Intro APR: 6.750 %
After Intro:6.750 % |
$25,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
Reliant Home Funding, Inc. NMLS ID: 292473 |
6.024% |
$1,893
Fees & Points
$5,173 Total
0.993 Pts ($3,178) $1,995 Fees |
| 6.331% |
$1,971
Fees & Points
$3,002 Total
0.552 Pts ($1,766) $1,236 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.403% |
$1,971
Fees & Points
$5,195 Total
1.000 Pts ($3,200) $1,995 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 1047 |
| Date Established | 1902 |
| Assets | $ 633.16 million |
| Loans | $ 417.00 million |
| Deposits | $ 535.10 million |
| Capital | $ 66.57 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 21.37 million |
| Interest-bearing balances | $ 11.69 million |
| Total securities | $ 181.09 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 417.00 million |
| Loan loss allowance | $ 7.05 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 0.74 million |
| All other assets | $ 6.79 million |
| Total Assets | $ 566.59 million |
| LIABILITIES | |
| Total deposits | $ 535.10 million |
| Interest-bearing deposits | $ 441.54 million |
| Deposits held in domestic offices | $ 535.10 million |
| % insured (estimated)" | 76.69% |
| Federal funds purchased and repurchase agreements | $ 9.20 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 9.53 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.50 millionn |
| Total Liabilities | $ 566.59 million |
| Shareholders’ Equity | $ 66.57 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 31.82 million |
| Total Interest Expense | $ 11.02 million |
| Net interest income | $ 20.80 million |
| Provision for loan and lease losses | $ 0.72 million |
| Total non interest income | $ 3.05 million |
| Total non interest expense | $ 13.63 million |
| Pre-tax Net Operating Income | $ 2.46 million |
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