Bank · FDIC insured
Hickory Point Bank & Trust
A $717.5M bank headquartered in Decatur, IL, with 8 branches in Illinois. Best rates: CDs 3.96% and savings 1.56% APY.
Hickory Point Bank & Trust Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#6 of 15 in Decatur, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Hickory Point Bank & Trust
Founded in 1979, Hickory Point Bank was owned by Archer-Daniels-Midland Company from 1986 until First Illinois Corporation purchased the bank in 2011.
Today, the locally owned bank operates nine branch locations in Decatur, Springfield, and Champaign.
- Headquarters
- 225 N Water St, Decatur, IL 62523
- FDIC certificate
- 22874 ↗
Branches
8 branches in Illinois
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Illinois
8 branches
Decatur area · 6
- Hickory Point Bank and TrustMain office225 N Water St, Decatur, IL 62523Directions
- Faries Branch4666 E Faries Pkwy, Decatur, IL 62526Directions
- Mt Zion Branch1880 S Mount Zion Rd, Decatur, IL 62521Directions
- North Point Banking Center Branch3101 N Water St, Decatur, IL 62526Directions
- South Shores Branch10 Southland Dr, Decatur, IL 62521Directions
- Forsyth Branch165 W Weaver Rd, Forsyth, IL 62535Directions
Champaign area · 1
- Champaign Park Avenue Branch202 W Park Ave, Champaign, IL 61820Directions
Springfield area · 1
- Wabash Avenue Branch3131 Wabash Ave, Springfield, IL 62704Directions
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 | 11.04% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.18% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.22% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio11.04%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.18%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.22%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ 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 Hickory Point Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.