CNB Bank and Trust, N.A.

Overview / Commentary
450 West Side Square
Carlinville, IL 62626

CNB Bank and Trust, N.A. is headquartered in Carlinville and is the 39th largest bank in the state of Illinois. It is also the 643rd largest bank in the nation. It was established in 1888 and as of June of 2020, it had grown to 279 employees at 19 locations. CNB Bank and Trust, N.A. has an A health rating.

Reviews (1)

Refuses To Accept Checks Written By Their Account Holders.

Posted by: |

I Stopped in at the Hillsboro Il. branch of this bank to cash a check from one of my clients. The bank refused to honor the promissory note from that bank written by one of their account holder since I didn't have an account there. The bank did tell me that they would allow the account holders to give me the money that both my client and I agreed on for the payment of services to be rendered IF I gave the bank some money as a "fee" These people almost lost their wedding photographer simply because their bank refused to honor their promissory note unless they got their share of the personal business transaction. I will not accept checks from clients with this bank any longer.


Health Grade Components

FDIC Certificate #3775
Year Established1888
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD9.14%
Annual Interest Income$29.2MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.47B$1.30B
LoansQ2 2020vs Q2 2019$984.1MM$920.6MM
DepositsQ2 2020vs Q2 2019$1.24B$1.11B
Equity CapitalQ2 2020vs Q2 2019$148.6MM$134.0MM
Loan Loss AllowanceQ2 2020vs Q2 2019$12.5MM$10.8MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$18.4MM$22.3MM
Real Estate OwnedQ2 2020vs Q2 2019$22.00K$808.00K

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