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Overview / Commentary
630-323-4404
25 East First Street
Hinsdale, IL 60521

Hinsdale Bank & Trust Company is headquartered in Hinsdale and is the 22nd largest bank in the state of Illinois. It is also the 433rd largest bank in the nation. It was established in 1993 and as of December of 2013, it had grown to 180 employees at 11 locations. Hinsdale Bank & Trust Company has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Hinsdale Bank & Trust Company had $13.31 million in non-current loans and owned real-estate with $208.47 million in equity and loan loss allowances on hand to cover it. This gives Hinsdale Bank & Trust Company a Texas Ratio of 6.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Hinsdale Bank & Trust Company decreased slightly from 8.73% as of December 31, 2012 to 6.38% as of December 31, 2013, resulting in a positive change of 26.87%.This indicates that the balance sheet and financial strength for Hinsdale Bank & Trust Company has improved slightly in recent periods.

Deposit Growth

GRADE:
F

In the past year, Hinsdale Bank & Trust Company has decreased its total deposits by -$158.16 million, resulting in -11.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hinsdale Bank & Trust Company has shown is poor.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hinsdale Bank & Trust Company has $1.62 billion in assets with $208.47 million in equity, resulting in a capitalization level of 12.88%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #33849
Year Established1993
Employees180
Primary RegulatorFED
Assets and Liabilities
Assets$1.62 billion
Loans$1.12 billion
Deposits$1.27 billion
Equity Capital$200.49 million
Loan Loss Allowance$7.98 million
Unbacked Noncurrent Loans$10.25 million
Real Estate Owned$3.06 million
Historic Data - December 2012
Assets$1.76 billion
Equity Capital$207.98 million
Loan Loss Allowance$9.20 million
Unbacked Noncurrent Loans$10.25 million
Real Estate Owned$2.62 million
Profit Margin - Quarterly
Net Interest Margin3.23%
Return on Assets0.57%
Return on Equity4.64%
Interest Income$53.35 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Hinsdale Bank & Trust Company, we are a rate comparison website and can not provide official rates or promotions.

Hinsdale Bank & Trust Company Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%-$10mJunior Savers Club Account
0.10%-$10mTeen Money Management Savings
0.05%-$10mPlatinum Preferred Account
0.05%-$10mSavings Account

Hinsdale Bank & Trust Company Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$500k$10mHeritage Money Market Account

Hinsdale Bank & Trust Company Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%-$10mN.O.W. Checking Account

Hinsdale Bank & Trust Company CD Rates

DetailsAPYMINMAXPRODUCT
0.98%$1k-49-60 Month Founder CD
0.85%$1k-49-60 Month Regular CD
0.73%$1k-37-48 Month Founder CD
0.63%$1k-31-36 Month Founder CD
0.60%$1k-37-48 Month Regular CD
0.53%$1k-19 -24 Month Founder CD
0.53%$1k-25-30 Month Founder CD
0.50%$1k-31-36 Month Regular CD
0.43%$1k-13-18 Month Founder CD
0.40%$1k-19-24 Month Regular CD
0.40%$1k-25-30 Month Regular CD
0.38%$1k-7-12 Month Founder CD
0.30%$1k-13-18 Month Regular CD
0.28%$1k-4-6 Month Founder CD
0.25%$1k-7-12 Month Regular CD
0.18%$1k-3 Month Founder CD
0.15%$1k-4-6 Month Regular CD
0.05%$1k-3 Month Regular CD
Locations


Hinsdale Bank & Trust Company Locations
The Community Bank Of Western Spring1000 Hillgrove AvenueWestern Springs, IL 60558
Community Bank Of Downers Grove Bran1111 Warren AvenueDowners Grove, IL 60515
West Chestnut Drive-Up130 West ChestnutHinsdale, IL 60521
Riverside Bank Branch17 East Burlington StreetRiverside, IL 60546
Clarendon Hills Bank Branch200 West BurlingtonClarendon Hills, IL 60514
Thecdbank.com Branch25 East First StreetHinsdale, IL 60521
Hinsdale Bank & Trust Company25 East First StreetHinsdale, IL 60521
Plymouth Place Branch315 N. Lagrange Rd.LA Grange, IL 60525
Community Bank Of Willowbrook6262 South Route 83Willowbrook, IL 60527
Downers Grove Branch718 Odgen AvenueDowners Grove, IL 60515