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 663rd largest bank in the nation. It was established in 1888 and as of December of 2020, it had grown to 271 employees at 17 locations. CNB Bank and Trust, N.A. has a B+ health rating.
Refuses To Accept Checks Written By Their Account Holders.
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.
Data as of Q4 2020
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 3775 |
| Year Established | 1888 |
| Employees | 271 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.02% |
| Return on Equity - YTD | 9.87% |
| Annual Interest Income | $57.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2020vs Q4 2019 | $1.49B$1.33B |
| Loans | Q4 2020vs Q4 2019 | $925.6MM$918.6MM |
| Deposits | Q4 2020vs Q4 2019 | $1.26B$1.12B |
| Equity Capital | Q4 2020vs Q4 2019 | $154.8MM$140.6MM |
| Loan Loss Allowance | Q4 2020vs Q4 2019 | $10.7MM$11.7MM |
| Unbacked Noncurrent Loans | Q4 2020vs Q4 2019 | $22.7MM$20.5MM |
| Real Estate Owned | Q4 2020vs Q4 2019 | $64.00K$120.00K |
