Old Plank Trail Community Bank
Old Plank Trail Community Bank reported total assets of $3.5 bn at Q2 2026, up 12.7% on a year earlier, the 361st largest of 497 banks in our US coverage. The CET1 capital ratio at Old Plank Trail Community Bank was 10.81%, and the uninsured share of Old Plank Trail Community Bank was 26.71%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Old Plank Trail Community Bank climbed from 203rd to 99th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Old Plank Trail Community Bank reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 10.81% at , where the median of the 287 banks is 13.22% (FDIC Call Reports).
- The tier 1 leverage ratio of Old Plank Trail Community Bank, 8.82% at , places Old Plank Trail Community Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 10.45%; FDIC Call Reports).
What sets Old Plank Trail Community Bank apart
How large is Old Plank Trail Community Bank?
The balance sheet of Old Plank Trail Community Bank at : assets $3.5 bn, deposits $3.1 bn, net loans $2.5 bn (loans equal to 79.79% of deposits). Securities make up 20.7% of total assets at Old Plank Trail Community Bank. Since , when Old Plank Trail Community Bank held $1.2 bn, its assets grew 188.5%. In the year to , deposits at Old Plank Trail Community Bank rose 12.4% while its total assets rose 12.7%. At , Old Plank Trail Community Bank employed 173 full-time equivalent staff across 16 offices, about $20.4 mn of assets per employee and $194.9 mn of deposits per office.
How much funding at Old Plank Trail Community Bank is uninsured?
At Old Plank Trail Community Bank, uninsured deposits (above the FDIC limit) made up 26.71% of domestic deposits at (-0.07 pp on a year earlier); Old Plank Trail Community Bank ranks 356th of 500 on this measure. In dollars, Old Plank Trail Community Bank estimated $832.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.1 bn | +12.4% | 345th of 499 |
| Net loans and leases | $2.5 bn | +9.2% | 366th of 500 |
| Loan-to-deposit ratio | 79.79% | -2.37 pp | 347th of 500 |
| Tier 1 leverage ratio | 8.82% | -0.11 pp | 449th of 500 |
| Total risk-based capital ratio | 11.46% | +0.13 pp | 437th of 448 |
| Net interest margin | 3.19% | -0.08 pp | 376th of 500 |
| Return on assets (ROA) | 1.19% | -0.12 pp | 313th of 500 |
| Efficiency ratio | 47.72% | -0.37 pp | 112th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $51.6 mn | Narrowed by $6.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $33.0 mn | Narrowed by $2.2 mn | |
| Noncurrent loans to total loans | 0.28% | -0.14 pp | 99th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.25% | +0.18 pp | 373rd of 500 (1 = lowest) |
US rank of Old Plank Trail Community Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Old Plank Trail Community Bank: assets, deposits and loans
- Total assets $3.5bn
- Deposits $3.1bn
- Net loans $2.5bn
Capital and securities
The CET1 ratio of Old Plank Trail Community Bank stood at 10.81% in , +0.09 pp year on year. Low and high at Old Plank Trail Community Bank since : 10.30% () to 11.27% (). Equity capital of Old Plank Trail Community Bank at : $294.6 mn, or 8.3% of total assets. Old Plank Trail Community Bank also reported a total capital ratio of 11.46% for , and a tier 1 leverage ratio of 8.82%.
On held-to-maturity securities, Old Plank Trail Community Bank carried an unrealized loss of $51.6 mn at , equal to 17.5% of equity capital. The loss narrowed by $6.5 mn over the year. Its deepest point: $75.0 mn in . The available-for-sale portfolio of Old Plank Trail Community Bank showed an unrealized loss of $33.0 mn at ; the loss narrowed by $2.2 mn over the year.
Old Plank Trail Community Bank: capital ratios
- Total capital 11%
- CET1 11%
- Tier 1 leverage 8.8%
Old Plank Trail Community Bank: unrealized securities gains and losses
- Available for sale -$33mn
- Held to maturity -$52mn
Profitability and loan quality
For the year to , Old Plank Trail Community Bank earned a return on equity of 13.91%; return on assets: 1.19%. Net interest margin at Old Plank Trail Community Bank: 3.19%, -0.08 pp in a year. Old Plank Trail Community Bank net income: $20.2 mn, up 1.7% year on year. The efficiency ratio of Old Plank Trail Community Bank was 47.72%: about 48 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.28% of total loans at Old Plank Trail Community Bank; net charge-offs: 0.25% of average loans. Gross loans and leases at Old Plank Trail Community Bank: $2.5 bn, up 9.2% in a year.
Old Plank Trail Community Bank: profitability
- Return on equity 14%
- Net interest margin 3.2%
- Return on assets 1.2%
Peer group of Old Plank Trail Community Bank
The peer group of Old Plank Trail Community Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Old Plank Trail Community Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, Old Plank Trail Community Bank shows CET1 ratio 10.81% against a peer median of 12.82%, return on equity 13.91% against a peer median of 12.00% and uninsured deposit share 26.71% against a peer median of 31.88%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Home Bank | National bank | LA | $3.6 bn | 14.41% | 10.17% | 31.16% | |
| Manasquan Bank | State-chartered stock savings bank | NJ | $3.6 bn | 11.00% | 7.18% | 32.61% | |
| SouthEast Bank | State member bank | TN | $3.6 bn | 12.52% | 8.91% | 23.40% | |
| Old Plank Trail Community Bank | National bank | IL | $3.5 bn | 10.81% | 13.91% | 26.71% | |
| MVB Bank, Inc | State nonmember bank | WV | $3.5 bn | not reported | 14.24% | 39.29% | |
| Bank of Ann Arbor | State nonmember bank | MI | $3.5 bn | 14.27% | 13.82% | 43.99% | |
| First Farmers Bank & Trust Co. | State member bank | IN | $3.5 bn | 12.82% | 17.35% | 30.24% | |
. FDIC Call Reports.
Last eight quarters
Two years at Old Plank Trail Community Bank, to : assets +22.5%, deposits +22.3%, equity +20.3%. Staff 152 to 173; offices 15 to 16.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $3.0 bn | $3.1 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.5 bn |
| Total deposits | $2.5 bn | $2.5 bn | $2.7 bn | $2.8 bn | $2.9 bn | $2.8 bn | $2.9 bn | $3.1 bn |
| Bank equity capital | $244.9 mn | $241.9 mn | $256.7 mn | $266.6 mn | $278.1 mn | $288.7 mn | $285.9 mn | $294.6 mn |
| CET1 ratio | 10.60% | 10.59% | 10.70% | 10.72% | 10.77% | 11.04% | 10.93% | 10.81% |
| Return on equity (ROE) | 12.10% | 12.05% | 16.52% | 15.54% | 14.06% | 13.57% | 14.74% | 13.91% |
| Uninsured share of domestic deposits | 26.70% | 26.26% | 26.34% | 26.78% | 28.31% | 26.39% | 26.28% | 26.71% |
| Full-time equivalent employees | 152 | 156 | 150 | 153 | 157 | 154 | 157 | 173 |
| Number of offices | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 16 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Old Plank Trail Community Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Old Plank Trail Community Bank?
Old Plank Trail Community Bank reported $3.5 bn at in its Call Report. That makes Old Plank Trail Community Bank the 361st largest of 497 banks in our US coverage.
Is Old Plank Trail Community Bank the same as its holding company?
No. This page covers Old Plank Trail Community Bank, FDIC certificate 58314; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Old Plank Trail Community Bank profitable?
Old Plank Trail Community Bank reported net income of $20.2 mn for the year to ; annualized return on equity: 13.91%. So yes: Old Plank Trail Community Bank made a profit over these months.
When is data for Old Plank Trail Community Bank next updated?
Figures from Old Plank Trail Community Bank for are due after .
Where can I check the figures for Old Plank Trail Community Bank?
In the FDIC BankFind Suite record for certificate 58314, and in the Call Reports of Old Plank Trail Community Bank (RSSD ID 3404207) at the FFIEC Central Data Repository.