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4571 Guilford Road
Rockford, IL 61107

Rockford Bank and Trust Company is headquartered in Rockford and is the 120th largest bank in the state of Illinois. It is also the 1,900th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 62 employees at 2 locations. Rockford Bank and Trust Company has a C+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Rockford Bank and Trust Company had $9.47 million in non-current loans and owned real-estate with $34.13 million in equity and loan loss allowances on hand to cover it. This gives Rockford Bank and Trust Company a Texas Ratio of 27.76% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Rockford Bank and Trust Company increased slightly from 15.80% as of March 31, 2013 to 27.76% as of March 31, 2014, resulting in a negative change of 75.61%. This indicates that the balance sheet and financial strength for Rockford Bank and Trust Company has declined slightly in recent periods.

Deposit Growth


In the past year, Rockford Bank and Trust Company has decreased its total deposits by -$1.41 million, resulting in -0.58% 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 Rockford Bank and Trust Company has shown is average.



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. Rockford Bank and Trust Company has $346.36 million in assets with $34.13 million in equity, resulting in a capitalization level of 9.85%, which is above average.

Institution Statistics

FDIC Certificate #57927
Year Established2005
Primary RegulatorFED
Assets and Liabilities
Assets$346.37 million
Loans$254.76 million
Deposits$240.05 million
Equity Capital$30.09 million
Loan Loss Allowance$4.04 million
Unbacked Noncurrent Loans$4.75 million
Real Estate Owned$4.73 million
Historic Data - March 2013
Assets$322.54 million
Equity Capital$34.23 million
Loan Loss Allowance$4.44 million
Unbacked Noncurrent Loans$4.75 million
Real Estate Owned$513,000
Profit Margin - Quarterly
Net Interest Margin3.21%
Return on Assets0.45%
Return on Equity4.83%
Interest Income$2.99 million

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Rockford Bank and Trust Company Savings Account Rates

0.10%--Christmas Club
0.10%--KidsROCK Savings Plan
0.05%--Rockford Savings

Rockford Bank and Trust Company Money Market Rates

0.30%$1m-Rockford Money Market

Rockford Bank and Trust Company Checking Account Rates

1.25%-$20kU-Account - Qualifying
0.05%$10k-The Gold Account
0.05%-$20kU-Account - Non Qualifying
0.01%--Rockford Interest Checking

Rockford Bank and Trust Company CD Rates

1.25%$2,500-38 Month CD Special
1.10%$100k-5 Year CD
1.00%$2,500-19 Month CD Special
0.75%$100k-4 Year CD
0.60%$100k-3 Year CD
0.30%$100k-18 Month CD
0.30%$500-2 Year CD
0.20%$100k-9 Month CD
0.20%$100k-1 Year CD
0.10%$25k-15 Day CD
0.10%$25k-30 Day CD
0.10%$25k-60 Day CD
0.10%$25k-90 Day CD
0.10%$500-180 Day CD

Rockford Bank and Trust Company Locations
Rockford Branch127 N Wyman StreetRockford, IL 61101
Rockford Bank and Trust Company4571 Guilford RoadRockford, IL 61107