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    Holding Company
    Carlinville National Bank Shares, Inc. was organized in 1984 by the Board of Directors and shareholders of Carlinville National Bank. At that time, Charles H. Ashworth was president and CEO of the bank and was instrumental in promoting the holding company. Previously, the institution operated simply under the bank's charter. One limitation placed upon that form of organization is the inability for the bank to purchase and hold its own stock. Under a holding company structure, the parent company can create a market for its own shares, thus enhancing liquidity for its shareholders. 
     
    James T. Ashworth, son of Charles, and great grandson of the Bank's principal founder (A.L. Hoblit), was named president of the holding company in 1989, and remains in that capacity today. The company became more proactive with its flexible structure through organization of an income tax preparation subsidiary (Carlinville Tax Service), and purchase of a branch in Hillsboro in 1996. In 1997 CNBS purchased Palmer Bank, and in 1998 Citizens State Bank of Shipman and Brighton was acquired. More recently, the banks have organized a mortgage origination subsidiary (South Central Illinois Mortgage, LLC) to facilitate customer access to the secondary market for fixed-rate mortgage loans. In 2003, CNBS acquired Cornerstone Bank & Trust, N.A. of Carrollton, Jerseyville, and Alton. In 2009, Carlinville National Bank assumed the three offices of the former Corn Belt Bank in Pittsfield, Jacksonville, and Clayton, MO. Carlinville National Bank also opened a new location in Oak Forest in 2010. The four bank charters were consolidated into one in 2011, named CNB Bank & Trust, N.A., with twelve full service locations in a ten county area. Although the company has evolved with the advent of expanded financial products and services, as well as new technologies, our roots go back to the founding of the former Cornerstone Bank & Trust, N.A. in 1854, which preserves the consolidation into CNB Bank & Trust, N.A. as the oldest continuously active bank charter in Illinois. 
     
    CNB Bank & Trust, N.A. has retained directors from the boards of all four of its original banks, ensuring that decisions are made by people who know and love the communities in which they reside. Yet, certain "economies of scale" are realized that are good for customers and shareholders alike. We trust that you will agree that the best bank is a Real Community Bank, and we encourage you to explore our Internet site regularly for enhanced services and community events. 
     
     


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