B
CNB Bank & Trust, NA
Rating Date
October 2025
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Weiss Ratings CNB Bank & Trust, NA
Carlinville, IL
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Rating B
Asset Quality Index 6.40
Capitalization Index 7.20
Liquidity Index 2.80
Profitability Index 5.30
Stability Index 7.20
Company Info CNB Bank & Trust, NA
Carlinville, IL
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FDIC Number 3775
Phone Number (217) 854-2674
Website www.cnbil.com
Asset Quality CNB Bank & Trust, NA
Carlinville, IL
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1-Year Asset Growth 3.96%
5-Year Asset Growth 6.33%
5-Year Charge-Offs to Average Loans 0.23%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 3.14%
Non-Performing Loans to Loans 0.44%
Balance Sheet CNB Bank & Trust, NA
Carlinville, IL
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Total Assets 1.84B
Total Deposits 1.54B
Capital and Reserves CNB Bank & Trust, NA
Carlinville, IL
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Capital 159.73M
Leverage Ratio 9.13
Loan Loss Reserves to Loans 1.18%
Risk-Based Capital Ratio 12.64
Liquidity CNB Bank & Trust, NA
Carlinville, IL
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Hot Money Ratio 23.74%
Liquidity Ratio 14.43%
Profitability CNB Bank & Trust, NA
Carlinville, IL
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5-Year Return on Average Assets 0.90%
Net Income 14.30M
Net Interest Spread 3.56%
Operating Profit to Average Assets 1.43%
Overhead Efficiency Ratio 61.37%
Return on Assets 1.04%
Return on Equity 13.05%