Illinois Bank & Trust

Overview / Commentary
4571 Guilford Rd
Rockford, IL 61107

Illinois Bank & Trust is headquartered in Rockford and is the 35th largest bank in the state of Illinois. It is also the 643rd largest bank in the nation. It was established in 1995 and as of December of 2021, it had grown to 88 employees at 10 locations. Illinois Bank & Trust has an A health rating.

Reviews (3)

Rewards Checking Still 3.01%

Posted by: |

On balances up to $20,000.. Great know the customer local Community Bank Service!

Fees Fees Fees

2021 covid overdraft fee's.. like taking candy from a baby.. there are tons of banks now offering better online banking services with no ridiculous fees

Poor Customer Service

I have been a customer for several years, and prior to the merger a few years back, I was always happy with the customer service and hometown feel. In December of last year I had to undergo a double mastectomy, ending up hospitalized for a week, I lost my job and was going through a divorce. I spoke with a personal banker, knowing that I would have difficulties financially; fast forward to no empathy, no options and I am now -1,600 with an account that I thought was paid and closed.


Health Grade Components

FDIC Certificate #34076
Year Established1995
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.34%
Return on Equity - YTD14.66%
Annual Interest Income$49.3MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.69B$1.53B
LoansQ4 2021vs Q4 2020$830.8MM$870.3MM
DepositsQ4 2021vs Q4 2020$1.50B$1.34B
Equity CapitalQ4 2021vs Q4 2020$145.1MM$148.4MM
Loan Loss AllowanceQ4 2021vs Q4 2020$7.8MM$11.0MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$875.00K$3.5MM
Real Estate OwnedQ4 2021vs Q4 2020$804.00K$1.5MM
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Always verify rates and promotions with the bank or credit union. We are not Illinois Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Illinois Bank & Trust Savings Account Rates

0.01%$100-Regular Savings
0.01%--Platinum Savings
0.01%$50k-Signature Series Savings
0.01%--IRA Savings
0.01%--Business Solutions High Yield Savings account
0.01%$100-Business Savings
0.01%--Business High Yield Savings account

Illinois Bank & Trust Money Market Rates

0.01%--Regular Money Market Savings
0.01%--Premium Money Market Savings
0.01%--Business Premium Money Market Savings
0.01%--Business Money Market Savings
0.01%--Business Solutions Money Market

Illinois Bank & Trust Checking Account Rates

0.01%--Platinum Checking
0.01%$50k-Signature Series Checking
0.01%--Commercial interest checking

Illinois Bank & Trust CD Rates

0.25%$1k-48 Month CD
0.25%$1k-60 Month CD
0.20%$1k-36 Month CD
0.15%$1k-24 Month CD
0.10%$1k-12 Month CD
0.10%$1k-18 Month CD
0.05%$1k-6 Month CD
0.01%$1k-3 Month CD

Illinois Bank & Trust IRA Rates

0.25%$1k-48 Month IRA
0.25%$1k-60 Month IRA
0.20%$1k-36 Month IRA
0.15%$1k-24 Month IRA
0.10%$1k-12 Month IRA
0.10%$1k-18 Month Add on
0.05%$1k-6 Month IRA
0.01%$1k-3 Month IRA

Cities: Elizabeth, Galena, Machesney Park, Rockford, Sterling, Stockton

Elizabeth Branches
The Elizabeth State Bank Branch151 Main StreetElizabeth, IL 61028

Galena Branches
Galena State Bank & Trust Co.971 Gear StreetGalena, IL 61036
South Main Facility400 South Main StreetGalena, IL 61036

Machesney Park Branches
Rt. 173 Banking Center Branch1515 West Lane RdMachesney Park, IL 61115

Rockford Branches
Harrison Avenue Branch2625 Stowmarket AvenueRockford, IL 61109
Illinois Bank & Trust4571 Guilford RdRockford, IL 61107
Stewart Square Office Branch308 W. State Street Suite 100Rockford, IL 61101
Rockford Branch6855 E Riverside BlvdRockford, IL 61114

Sterling Branches
Sterling Banking Center2403 North Locust StreetSterling, IL 61081

Stockton Branches
Stockton Branch11655 U.S. 20 E.Stockton, IL 61085

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