Bank · FDIC insured
Constitution Bank
A $683.1M bank headquartered in Hillsboro, IL, with 14 branches in Illinois. Best rates: CDs 3.35% and savings 0.20% APY.
Constitution Bank Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#71 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Constitution Bank
- Headquarters
- 230 S Main St, Hillsboro, IL 62049
- FDIC certificate
- 16276 ↗
Branches
14 branches in Illinois
Loading map…
Illinois
14 branches
St. Louis area · 10
- Alhambra Branch502 East Main Street, Alhambra, IL 62001Directions
- Carlyle Branch801 12th St, Carlyle, IL 62231Directions
- Edwardsville Branch300 South Buchanan Street, Edwardsville, IL 62025Directions
- Glen Carbon Branch1 Junction Dr W, Glen Carbon, IL 62034Directions
- Greenville Branch605 S 3rd St, Greenville, IL 62246Directions
- Hamel Branch105 East State Street, Hamel, IL 62046Directions
- Highland Branch40 Apex Dr, Highland, IL 62249Directions
- Mt. Olive Branch801 W Main St, Mount Olive, IL 62069Directions
- Staunton Branch227 E Main St, Staunton, IL 62088Directions
- Troy Branch304 Bargraves Blvd, Troy, IL 62294Directions
Hillsboro area · 2
- Constitution Bank, National AssociationMain office230 S Main St, Hillsboro, IL 62049Directions
- Drive-In Facility110 S Hamilton St, Hillsboro, IL 62049Directions
Effingham area · 1
- Effingham Branch501 N Keller Dr, Effingham, IL 62401Directions
Vandalia area · 1
- Vandalia Branch520 W Gochenour St, Vandalia, IL 62471Directions
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 | 10.17% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.62% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.13% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $79 | $81 | — |
- CapitalLeverage ratio10.17%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.62%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.13%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$79Peers’ 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 Constitution Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.