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The Bank of Bourbonnais

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The Bank of Bourbonnais Rates & Review October 2026

Q: How many branches does The Bank of Bourbonnais operate?

The Bank of Bourbonnais currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Bank of Bourbonnais provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

The Bank of Bourbonnais rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.98%, 6-month CD rates at 2.84% and 3-month CD rates at 2.66%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.38%. These rates come from our rate database, not The Bank of Bourbonnais, and you can see how they compare in the The Bank of Bourbonnais rate tables below. MonitorBankRates evaluates the financial stability of The Bank of Bourbonnais with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 10/13/2026.

The Bank of Bourbonnais money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Bank of Bourbonnais? Share your experience about The Bank of Bourbonnais by leaving a review below, or read customer reviews before you decide to use The Bank of Bourbonnais.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Bank of Bourbonnais

1 Heritage Dr
Bourbonnais, IL 60914

https://www.bourbonnais.bank/

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

The Bank of Bourbonnais Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit Promo	-	-	7.50%	24 months
Details Prime Rate + 0.50% / Floor of 5.50% / No Closing Costs. The APR is a variable rate based on an index of the highest Prime Rate reported each day in the Money Rates section of the Wall Street Journal (the "WSJ Prime") plus a margin of 0.50% with a floor of 5.50%. On September 16, 2026, the WSJ Prime Rate was 7.00% resulting in the following APR for loan amounts up to $400,000.00: APR 7.50% (Prime + 0.50%). The minimum APR is 5.50% and the maximum APR is 15.00%. Rates are subject to change daily. Interest only minimum payments required and will result in a balloon payment. Maximum loan amount is $400,000.00. A minimum draw of $10,000.00 is required within 15 calendar days of closing. The minimum for additional draws is $250.00. There is an annual fee of $50, but it will be waived for the first year. Offer applies to lines secured by owner occupied, one-to four-family residences with a maximum Combined Loan to Value (CLTV) of 75%. Property insurance is required, and flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. The pricing shown assumes borrower meets underwriting guidelines and has an initial draw of $10,000.00 within 15 calendar days of closing, otherwise credit may not be available. See your loan officer for details. No Closing Costs. Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

The Bank of Bourbonnais’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$82M	0.00%	5.0	A+
March 31, 2026	$79M	0.00%	5.0	A+
December 31, 2025	$78M	0.00%	5.0	A+
September 30, 2025	$78M	0.00%	5.0	A+
June 30, 2025	$79M	0.00%	5.0	A+
March 31, 2025	$81M	0.00%	5.0	A+
December 31, 2024	$74M	0.00%	5.0	A+
September 30, 2024	$75M	0.73%	5.0	A+
June 30, 2024	$80M	0.74%	5.0	A+
March 31, 2024	$98M	0.00%	5.0	A+
December 31, 2023	$82M	0.00%	5.0	A+
September 30, 2023	$85M	0.00%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The Bank of Bourbonnais is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather The Bank of Bourbonnais rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with The Bank of Bourbonnais's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Bank of Bourbonnais

Bank Holding Company ILLINOIS STATE BCORP INC

Address 1 Heritage Dr, Bourbonnais, IL 60914 · Kankakee

Website https://www.bourbonnais.bank/

FDIC Certificate # 21635

Established 19740621

FDIC Insurance Date 19740621

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6482%

Return on Equity (ROE) 5.3500%

Non-Performing Loans (NPL) 0.00%

Total Assets $81,589,000

Total Deposits $70,923,000

Equity Capital $9,695,000

Net Income $257,000

Headquarters Bourbonnais

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

The Bank of Bourbonnais earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/the-bank-of-bourbonnais-rates-review-21635">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About The Bank of Bourbonnais

How many branches does The Bank of Bourbonnais operate?

The Bank of Bourbonnais currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, The Bank of Bourbonnais does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Bank of Bourbonnais provides members with tools to manage their accounts and build a solid financial history.

Does The Bank of Bourbonnais offer online and mobile banking?

Most modern institutions like The Bank of Bourbonnais provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bourbonnais.bank/.