Bank · FDIC insured
Bank & Trust Company
A $641.3M bank headquartered in Litchfield, IL, with 11 branches in Illinois.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Savings: no rate at the amounts we compare. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—0.00%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bank & Trust Company
Founded in 1902, Bank & Trust Company is an independent community bank headquartered in Litchfield, Illinois.
The bank operates 11 branch locations serving Central Illinois and surrounding areas.
- Headquarters
- 401 N Madison St, Litchfield, IL 62056
- FDIC certificate
- 1047 ↗
Branches
11 branches in Illinois
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Illinois
11 branches
Litchfield area · 2
- Bank & Trust CompanyMain office401 N Madison St, Litchfield, IL 62056Directions
- Money Centre Branch1201 W Union Ave, Litchfield, IL 62056Directions
Carlinville area · 1
- Carlinville Branch900 W Main St, Carlinville, IL 62626Directions
Chatham area · 1
- Chatham Branch10 W Plummer Blvd, Chatham, IL 62629Directions
Coffeen area · 1
- Coffeen Branch200 W Main St, Coffeen, IL 62017Directions
Farmersville area · 1
- Farmersville Faciltiy204 S Cleveland St, Farmersville, IL 62533Directions
Fillmore area · 1
- Fillmore Branch107 S Main St, Fillmore, IL 62032Directions
Irving area · 1
- Irving Branch103 S Pine St, Irving, IL 62051Directions
Raymond area · 1
- Raymond Branch404 S Obannon St, Raymond, IL 62560Directions
Rochester area · 1
- Rochester Branch196 S Walnut St, Rochester, IL 62563Directions
Witt area · 1
- Witt Branch1 W Broadway, Witt, IL 62094Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.27% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.37% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.13% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio11.27%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.37%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.13%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bank & Trust Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.