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 37th largest bank in the state of Illinois. It is also the 655th largest bank in the nation. It was established in 1888 and as of March of 2021, it had grown to 272 employees at 18 locations. CNB Bank and Trust, N.A. has a B+ health rating.

Reviews (1)

Refuses To Accept Checks Written By Their Account Holders.

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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 - YTD0.94%
Return on Equity - YTD9.38%
Annual Interest Income$12.3MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$1.58B$1.34B
LoansQ1 2021vs Q1 2020$922.3MM$894.1MM
DepositsQ1 2021vs Q1 2020$1.35B$1.14B
Equity CapitalQ1 2021vs Q1 2020$154.8MM$139.8MM
Loan Loss AllowanceQ1 2021vs Q1 2020$11.1MM$11.8MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$21.4MM$20.1MM
Real Estate OwnedQ1 2021vs Q1 2020$42.00K$22.00K
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CNB Bank and Trust, N.A. Savings Account Rates

0.20%--Christmas Club

CNB Bank and Trust, N.A. Money Market Rates

0.20%*$100k*-Money Market
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k

CNB Bank and Trust, N.A. Checking Account Rates

1.26%*-$15kElite eVantage
OTHER TIERS: 0.27% $15k+


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