S&P 500   5,061.82
DOW   37,735.11
QQQ   431.06
5 Small-Cap Energy Stocks Surged in Price and Volume on Friday
Novo Nordisk Arms Wegovy to Be a Triple Threat
Vital Farms Rides the Pasture-Raised Egg Trend to the Bank
3 Energy Plays for Cash Flow: Buy 1 or Buy Them All
M&T Bank, Goldman Sachs rise; Salesforce, Tesla fall, Monday, 4/15/2024
When Will the Next Bull Market Be?
Global smartphone shipments climb nearly 8% in 1st quarter as Samsung retakes the lead
S&P 500   5,061.82
DOW   37,735.11
QQQ   431.06
5 Small-Cap Energy Stocks Surged in Price and Volume on Friday
Novo Nordisk Arms Wegovy to Be a Triple Threat
Vital Farms Rides the Pasture-Raised Egg Trend to the Bank
3 Energy Plays for Cash Flow: Buy 1 or Buy Them All
M&T Bank, Goldman Sachs rise; Salesforce, Tesla fall, Monday, 4/15/2024
When Will the Next Bull Market Be?
Global smartphone shipments climb nearly 8% in 1st quarter as Samsung retakes the lead
S&P 500   5,061.82
DOW   37,735.11
QQQ   431.06
5 Small-Cap Energy Stocks Surged in Price and Volume on Friday
Novo Nordisk Arms Wegovy to Be a Triple Threat
Vital Farms Rides the Pasture-Raised Egg Trend to the Bank
3 Energy Plays for Cash Flow: Buy 1 or Buy Them All
M&T Bank, Goldman Sachs rise; Salesforce, Tesla fall, Monday, 4/15/2024
When Will the Next Bull Market Be?
Global smartphone shipments climb nearly 8% in 1st quarter as Samsung retakes the lead
S&P 500   5,061.82
DOW   37,735.11
QQQ   431.06
5 Small-Cap Energy Stocks Surged in Price and Volume on Friday
Novo Nordisk Arms Wegovy to Be a Triple Threat
Vital Farms Rides the Pasture-Raised Egg Trend to the Bank
3 Energy Plays for Cash Flow: Buy 1 or Buy Them All
M&T Bank, Goldman Sachs rise; Salesforce, Tesla fall, Monday, 4/15/2024
When Will the Next Bull Market Be?
Global smartphone shipments climb nearly 8% in 1st quarter as Samsung retakes the lead

Compare Stocks

Comparative Price Performance Over Time

Compare Stocks - Price & Volume

CompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's Volume
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
$61.39
-0.3%
$64.79
$44.62
$73.68
$481.91M0.5829,765 shs17,853 shs
Flushing Financial Co. stock logo
FFIC
Flushing Financial
$11.09
$12.52
$9.28
$18.00
$322.39M0.73197,522 shs106,805 shs
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
$11.97
-0.5%
$13.22
$10.38
$14.75
$449.47M0.84104,503 shs60,507 shs
HBT Financial, Inc. stock logo
HBT
HBT Financial
$18.41
-1.0%
$19.04
$16.33
$21.87
$588.56M0.8627,639 shs47,641 shs
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
$23.29
-0.6%
$24.32
$17.98
$28.47
$508.89M0.7756,349 shs33,622 shs
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Price Performance

Company1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year Performance
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
-0.29%-5.66%-4.75%-5.66%-2.10%
Flushing Financial Co. stock logo
FFIC
Flushing Financial
0.00%-8.35%-7.12%-28.08%-18.87%
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
-0.50%-6.19%-4.70%-8.90%+4.54%
HBT Financial, Inc. stock logo
HBT
HBT Financial
-1.02%-2.64%-3.11%-5.69%-0.49%
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
-0.56%-5.06%-0.64%-9.62%+15.76%

MarketRank™

CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & Valuation
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
3.721 of 5 stars
2.35.04.20.02.71.71.9
Flushing Financial Co. stock logo
FFIC
Flushing Financial
4.2077 of 5 stars
3.22.02.50.02.42.53.8
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
4.1518 of 5 stars
3.24.03.30.03.91.71.9
HBT Financial, Inc. stock logo
HBT
HBT Financial
3.5119 of 5 stars
1.85.03.30.02.05.01.3
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
4.8656 of 5 stars
2.05.04.23.32.83.32.5

Analyst Ratings

CompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current Price
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
2.50
Moderate Buy$73.1519.16% Upside
Flushing Financial Co. stock logo
FFIC
Flushing Financial
2.33
Hold$15.5039.77% Upside
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
2.33
Hold$15.3328.10% Upside
HBT Financial, Inc. stock logo
HBT
HBT Financial
1.50
Reduce$20.5011.35% Upside
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
2.00
Hold$26.3313.07% Upside

Current Analyst Ratings

Latest FMNB, MSBI, FFIC, CATC, and HBT Analyst Ratings

DateCompanyBrokerageActionRatingPrice TargetDetails
4/5/2024
Flushing Financial Co. stock logo
FFIC
Flushing Financial
Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetMarket Perform ➝ Market Perform$15.50 ➝ $14.00
4/4/2024
HBT Financial, Inc. stock logo
HBT
HBT Financial
JPMorgan Chase & Co.
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetUnderweight ➝ Underweight$21.50 ➝ $21.00
3/5/2024
Flushing Financial Co. stock logo
FFIC
Flushing Financial
DA Davidson
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetNeutral ➝ Neutral$17.00 ➝ $13.50
2/23/2024
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
Piper Sandler
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Initiated CoverageNeutral$14.00
1/30/2024
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
Piper Sandler
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetNeutral ➝ Neutral$26.00 ➝ $29.00
1/25/2024
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetMarket Perform ➝ Market Perform$13.00 ➝ $14.00
(Data available from 4/16/2021 forward. View 10+ years of historical ratings with our analyst ratings screener.)

Sales & Book Value

CompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/Book
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
$260.26M1.85$5.55 per share11.06$68.13 per share0.90
Flushing Financial Co. stock logo
FFIC
Flushing Financial
$424.07M0.76$1.10 per share10.05$23.19 per share0.48
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
$255.20M1.76$1.86 per share6.44$10.79 per share1.11
HBT Financial, Inc. stock logo
HBT
HBT Financial
$225.72M2.58$2.80 per share6.57$15.44 per share1.19
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
$298.40M1.71$4.42 per share5.27$31.63 per share0.74

Profitability & Earnings

CompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings Date
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
$34.11M$4.3414.15N/A12.25%7.59%0.73%4/23/2024 (Confirmed)
Flushing Financial Co. stock logo
FFIC
Flushing Financial
$28.66M$1.0510.568.73N/A7.37%4.11%0.32%4/23/2024 (Confirmed)
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
$49.93M$1.348.938.87N/A19.57%16.91%1.22%4/24/2024 (Estimated)
HBT Financial, Inc. stock logo
HBT
HBT Financial
$65.84M$2.088.858.81N/A24.84%16.93%1.56%4/22/2024 (Confirmed)
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
$75.46M$3.277.127.56N/A17.19%12.82%1.08%4/25/2024 (Confirmed)

Latest FMNB, MSBI, FFIC, CATC, and HBT Earnings

DateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails
4/25/2024N/A
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
$0.71N/A-$0.71N/AN/AN/A
4/23/2024N/A
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
$0.88N/A-$0.88N/AN/AN/A
4/23/2024N/A
Flushing Financial Co. stock logo
FFIC
Flushing Financial
$0.15N/A-$0.15N/AN/AN/A  
4/22/2024N/A
HBT Financial, Inc. stock logo
HBT
HBT Financial
$0.57N/A-$0.57N/AN/AN/A
1/30/2024Q4 2023
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
$0.92$1.11+$0.19$1.20$37.70 million$38.53 million
1/25/2024Q4 2023
Flushing Financial Co. stock logo
FFIC
Flushing Financial
$0.23$0.25+$0.02$0.23$48.84 million$53.49 million
1/25/2024Q4 2023
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
$0.79$0.89+$0.10$0.94$75.65 million$78.59 million
1/24/2024Q4 2023
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
$0.36$0.41+$0.05$0.43$43.65 million$44.99 million
1/24/202412/31/2023
HBT Financial, Inc. stock logo
HBT
HBT Financial
$0.60$0.60N/A$0.62$57.78 million$70.62 million

Dividends

CompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive Growth
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
$2.684.37%+8.13%61.75%25 Years
Flushing Financial Co. stock logo
FFIC
Flushing Financial
$0.887.94%+1.56%83.81%N/A
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
$0.685.68%+15.62%50.75%N/A
HBT Financial, Inc. stock logo
HBT
HBT Financial
$0.764.13%+4.26%36.54%3 Years
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
$1.245.32%+3.90%37.92%8 Years

Latest FMNB, MSBI, FFIC, CATC, and HBT Dividends

AnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
2/27/2024
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
Quarterly$0.175.12%3/7/20243/8/20243/29/2024
2/27/2024
Flushing Financial Co. stock logo
FFIC
Flushing Financial
Quarterly$0.226.98%3/8/20243/11/20243/22/2024
2/6/2024
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
Quarterly$0.315.11%2/15/20242/16/20242/23/2024
1/29/2024
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
Quarterly$0.673.71%2/7/20242/8/20242/22/2024
1/23/2024
HBT Financial, Inc. stock logo
HBT
HBT Financial
Quarterly$0.193.81%2/5/20242/6/20242/13/2024
(Data available from 1/1/2013 forward)

Debt

CompanyDebt-to-Equity RatioCurrent RatioQuick Ratio
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
N/A
0.84
0.84
Flushing Financial Co. stock logo
FFIC
Flushing Financial
1.26
1.04
1.04
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
0.22
0.72
0.72
HBT Financial, Inc. stock logo
HBT
HBT Financial
0.21
0.80
0.79
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
0.91
0.96
0.96

Ownership

Institutional Ownership

CompanyInstitutional Ownership
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
55.53%
Flushing Financial Co. stock logo
FFIC
Flushing Financial
67.10%
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
38.72%
HBT Financial, Inc. stock logo
HBT
HBT Financial
78.55%
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
60.93%

Miscellaneous

CompanyEmployeesShares OutstandingFree FloatOptionable
Cambridge Bancorp stock logo
CATC
Cambridge Bancorp
4077.85 million7.50 millionOptionable
Flushing Financial Co. stock logo
FFIC
Flushing Financial
54929.07 million27.46 millionOptionable
Farmers National Banc Corp. stock logo
FMNB
Farmers National Banc
66637.55 million36.04 millionOptionable
HBT Financial, Inc. stock logo
HBT
HBT Financial
84431.64 million13.10 millionOptionable
Midland States Bancorp, Inc. stock logo
MSBI
Midland States Bancorp
87821.85 million20.63 millionOptionable

FMNB, MSBI, FFIC, CATC, and HBT Headlines

SourceHeadline
Midland States Bancorp (NASDAQ:MSBI) Share Price Passes Below 50 Day Moving Average of $24.35Midland States Bancorp (NASDAQ:MSBI) Share Price Passes Below 50 Day Moving Average of $24.35
americanbankingnews.com - April 13 at 4:56 AM
Midland States Bancorp (MSBI) Shares Cross Below 200 DMAMidland States Bancorp (MSBI) Shares Cross Below 200 DMA
nasdaq.com - April 12 at 7:17 PM
Midland States Bancorp, Inc. To Announce First Quarter 2024 Financial Results on Thursday, April 25Midland States Bancorp, Inc. To Announce First Quarter 2024 Financial Results on Thursday, April 25
globenewswire.com - April 5 at 8:30 AM
Positive Signs As Multiple Insiders Buy Midland States Bancorp StockPositive Signs As Multiple Insiders Buy Midland States Bancorp Stock
finance.yahoo.com - April 4 at 10:53 AM
Midland States Bancorp: Why I Sold The Preferred SharesMidland States Bancorp: Why I Sold The Preferred Shares
seekingalpha.com - March 26 at 1:25 PM
Midland States Bancorp Inc.Midland States Bancorp Inc.
wsj.com - March 23 at 1:54 AM
Midland States Bancorp IncMidland States Bancorp Inc
money.usnews.com - March 20 at 4:27 PM
Gerald Joseph Carlson Buys 1,000 Shares of Midland States Bancorp, Inc. (NASDAQ:MSBI) StockGerald Joseph Carlson Buys 1,000 Shares of Midland States Bancorp, Inc. (NASDAQ:MSBI) Stock
insidertrades.com - March 20 at 7:32 AM
Gerald Joseph Carlson Acquires 1,000 Shares of Midland States Bancorp, Inc. (NASDAQ:MSBI) StockGerald Joseph Carlson Acquires 1,000 Shares of Midland States Bancorp, Inc. (NASDAQ:MSBI) Stock
marketbeat.com - March 19 at 1:24 PM
Investors in Midland States Bancorp (NASDAQ:MSBI) have unfortunately lost 3.7% over the last three yearsInvestors in Midland States Bancorp (NASDAQ:MSBI) have unfortunately lost 3.7% over the last three years
finance.yahoo.com - March 8 at 11:08 AM
Midland States Bancorp (MSBI) Price Target Increased by 8.57% to 29.07Midland States Bancorp (MSBI) Price Target Increased by 8.57% to 29.07
msn.com - February 24 at 2:51 PM
Midland States Bancorp Stock (NASDAQ:MSBI) Earnings Dates and Earning CallsMidland States Bancorp Stock (NASDAQ:MSBI) Earnings Dates and Earning Calls
benzinga.com - February 23 at 9:05 AM
Midland States Bancorp Stock (NASDAQ:MSBI), Analyst Ratings, Price Targets, PredictionsMidland States Bancorp Stock (NASDAQ:MSBI), Analyst Ratings, Price Targets, Predictions
benzinga.com - February 23 at 9:05 AM
6 Dividend Stocks To Buy Under $25 With Incredible Upside Potential6 Dividend Stocks To Buy Under $25 With Incredible Upside Potential
247wallst.com - February 20 at 11:00 AM
MSBI Apr 2024 20.000 putMSBI Apr 2024 20.000 put
finance.yahoo.com - February 17 at 9:15 AM
Midland States Bancorps (NASDAQ:MSBI) Dividend Will Be Increased To $0.31Midland States Bancorp's (NASDAQ:MSBI) Dividend Will Be Increased To $0.31
finance.yahoo.com - February 10 at 12:52 PM
Jeff Ludwig Appointed to Federal Reserve Board Advisory CouncilJeff Ludwig Appointed to Federal Reserve Board Advisory Council
markets.businessinsider.com - February 8 at 11:06 AM
Midland States Bancorp Shares Investor Presentation DetailsMidland States Bancorp Shares Investor Presentation Details
msn.com - February 8 at 11:06 AM
Midland States Bancorp Announces New Director AppointmentMidland States Bancorp Announces New Director Appointment
msn.com - February 7 at 9:14 AM
Midland States Bancorp Appoints Gerald Carlson as DirectorMidland States Bancorp Appoints Gerald Carlson as Director
msn.com - February 7 at 9:14 AM
KBW Keeps Their Hold Rating on Midland States Bancrop (MSBI)KBW Keeps Their Hold Rating on Midland States Bancrop (MSBI)
markets.businessinsider.com - January 29 at 8:25 AM
Midland States Bancorp Full Year 2023 Earnings: EPS Misses ExpectationsMidland States Bancorp Full Year 2023 Earnings: EPS Misses Expectations
finance.yahoo.com - January 28 at 9:26 AM
Compared to Estimates, Midland States Bancorp (MSBI) Q4 Earnings: A Look at Key MetricsCompared to Estimates, Midland States Bancorp (MSBI) Q4 Earnings: A Look at Key Metrics
finance.yahoo.com - January 26 at 7:04 AM
Midland States Bancorp: Q4 Earnings InsightsMidland States Bancorp: Q4 Earnings Insights
benzinga.com - January 25 at 8:29 PM

New MarketBeat Followers Over Time

Media Sentiment Over Time

Top Headlines

All Headlines

Company Descriptions

Cambridge Bancorp logo

Cambridge Bancorp

NASDAQ:CATC
Cambridge Bancorp operates as the bank holding company for Cambridge Trust Company that engages in the provision of commercial and consumer banking, and investment management and trust services. The company accepts various deposits, such as checking, savings, money market, trust, and individual retirement accounts, as well as time and demand deposits, and certificates of deposit. Its loan products include residential and commercial real estate loans; construction loan; residential mortgages and home equity loans; commercial and industrial loans; consumer loans, such as secured and unsecured loans, lines of credit, and personal installment loans; and construction loans. The company also offers cash management, debit and credit cards, online and mobile banking, and payments services. It serves commercial enterprises, non-profit organizations, and individuals. The company operates through a network of banking and wealth management offices located in Massachusetts and New Hampshire. Cambridge Bancorp was founded in 1890 and is headquartered in Cambridge, Massachusetts.
Flushing Financial logo

Flushing Financial

NASDAQ:FFIC
Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, and governmental units. It offers various deposit products, including checking and savings accounts, money market accounts, non-interest bearing demand accounts, NOW accounts, and certificates of deposit. The company also provides mortgage loans secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, one-to-four family residential property, and commercial business loans; construction loans; small business administration loans and other small business loans; mortgage loan surrogates, such as mortgage-backed securities; and consumer loans, including overdraft lines of credit, as well as the United States government securities, corporate fixed-income securities, and other marketable securities. It operates full-service banking offices in Queens, Nassau, Suffolk, Kings, and New York counties, New York; and an internet branch under the iGObanking and BankPurely brands. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.
Farmers National Banc logo

Farmers National Banc

NASDAQ:FMNB
Farmers National Banc Corp. operates as a bank holding company for The Farmers National Bank of Canfield engages in the banking, trust, retirement consulting, insurance, and financial management businesses. It offers commercial and retail banking services, including checking, savings, and time deposit accounts; commercial, mortgage and installment, and home equity loans; home equity lines of credit, night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; property and casualty insurance products and services; and various insurance products through licensed representatives, as well as invests in municipal securities. The company was founded in 1887 and is headquartered in Canfield, Ohio.
HBT Financial logo

HBT Financial

NASDAQ:HBT
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities in Central and Northeastern Illinois, and Eastern Iowa. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, and farmland sales and services; commercial checking accounts; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.
Midland States Bancorp logo

Midland States Bancorp

NASDAQ:MSBI
Midland States Bancorp, Inc. operates as a financial holding company for Midland States Bank that provides various banking products and services to individuals, businesses, municipalities, and other entities. It operates through Banking, Wealth Management, and Other segments. The company provides a range of financial products and services to consumers and businesses, including commercial loans to finance agricultural equipment and production; and commercial real estate loans for owner occupied offices, warehouses and production facilities, office buildings, hotels, mixed-use residential and commercial facilities, retail centers, multifamily properties, and assisted living facilities. In addition, it offers construction and land development loans, such as real estate investment properties and residential developments, and lesser extent loans; and residential real estate loans, which includes first and second mortgage loans, and home equity lines of credit consisting of loans secured by first or second mortgages on primarily owner occupied primary residences. The company also provides consumer installment loans for the purchase of cars, boats and other recreational vehicles, as well as for the purchase of major appliances and other home improvement projects; and commercial equipment leasing programs for manufacturing, construction, transportation, and healthcare industries. Further, it offers merchant services; deposit products, including checking, time, savings, money market, and certificates of deposit, as well as sweep accounts; letters of credit; and trust and wealth management services, such as financial and estate planning, trustee and custodial, investment management, tax, insurance, and business planning, corporate retirement plan consulting and administration, and retail brokerage services. The company was founded in 1881 and is headquartered in Effingham, Illinois.