1NB Bank
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Data as of · sourced from FFIEC call reports. How we update
1NB Bank is an FDIC-insured commercial bank headquartered in Carlyle, IL, established in 1878 (FDIC certificate 14761), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $319.0M, up 8.8% from Q2 2025, the 146th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.29% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14761
- Headquarters
- Carlyle, IL
- Established
- 1878
- Total assets, Q2 2026
- $319.0M
- Assets vs Q2 2025
- +8.8%
- Tier 1 leverage ratio, Q2 2026
- 10.29%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081906505
- Holding company
- FIRST NATIONAL BANCORPORATION IN CARLYLE, INC.
- Asset rank in state
- 146th of 319 in Illinois
1NB Bank, based in Carlyle, Illinois, reported $319 million in assets at June 30, 2026, up 8.8% from a year earlier. It grew its loan book 22.6% over the year, 4.1 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $979,000, 50% above the same quarter a year earlier. Over the same year, loans grew 22.6% and deposits grew 4.8%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, 1NB Bank reported a return on assets of 1.23%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.45%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, 1NB Bank is the 146th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 3.4% to $319.0M, loans rose 5.6% and deposits rose 0.7%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 27.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.2%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities across 2 states; its Carlyle 2 offices book 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, 1NB Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 891 Fairfax St, Carlyle, IL 62231
- County
- Clinton
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1878
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $260.1M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $318.7M
- Average total loans
- $208.9M
- Average interest-bearing deposits
- $213.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14761
- Fed RSSD
- 614948
- Website
- www.1nbbank.bank →
- Parent Holding Company
- FIRST NATIONAL BANCORPORATION IN CARLYLE, INC. (RSSD 1099618)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, 1NB Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, 1NB Bank's total assets ranged from $280.1M (Q3 2023) to $319.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$319.0M total assets against $293.1M; $288.9M total liabilities against $266.6M.
$212.1M net loans and leases against $172.9M; $260.1M total deposits against $248.2M.
$85.5M securities against $97.6M; $8.6M cash and balances due against $9.0M.
$3.7M total interest income against $3.2M; $1.1M total interest expense against $1.1M.
$2.6M net interest income against $2.0M.
$289K total noninterest income against $257K; $1.4M total noninterest expense against $1.3M.
$201K provision for credit losses against $91K.
$979K net income against $653K.
1.23% return on assets against 0.88%; 3.43% net interest margin against 2.93%.
10.29% tier 1 leverage ratio against 10.16%.
Inside the full 1NB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
1NB Bank rankings
Its closest position to the top of a national ranking is 615 of 3,606, for efficiency ratio; its furthest is 2,992 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.59% (Q4 2024) to 1.31% (Q4 2025) and its net interest margin ran from 2.52% (Q3 2024) to 3.43% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.29% | 1.23% | 0.07% | 0.45% | 3.43% |
| Q1 2026 | 10.11% | 0.90% | 0.37% | 2.41% | 3.27% |
| Q4 2025 | 10.14% | 1.31% | 0.49% | 3.10% | 3.14% |
| Q3 2025 | 10.14% | 1.07% | 0.36% | 2.25% | 3.04% |
| Q2 2025 | 10.16% | 0.88% | 0.34% | 2.12% | 2.93% |
| Q1 2025 | 9.71% | 0.71% | 0.37% | 2.31% | 2.66% |
| Q4 2024 | 9.44% | 0.59% | 0.22% | 1.44% | 2.55% |
| Q3 2024 | 9.68% | 0.75% | 0.24% | 1.42% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 1350 12th Street Facility | Carlyle , IL | 62231 | $98.5M |
| 1NB Bank (main office) | Carlyle , IL | 62231 | $77.8M |
| Aviston Branch | Aviston , IL | 62216 | $68.5M |
| St. Rose Facility Branch | Breese , IL | 62230 | $14.4M |
| Cape Girardeau Branch | Cape Girardeau , MO | 63701 | $831K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 180 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 40 applications, 33 loans originated, $5.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about 1NB Bank
What are 1NB Bank's total assets?
As of the Q2 2026 filing, 1NB Bank reported total assets of $319.0 million in its FFIEC call report.
Where is 1NB Bank headquartered?
It is headquartered in Carlyle, IL, United States.
When was 1NB Bank founded?
It was established in 1878, per the FDIC institution directory.
Is 1NB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1NB Bank?
1NB Bank's primary federal regulator is the Federal Reserve.
How many branches does 1NB Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is 1NB Bank's Texas Ratio?
Its Texas Ratio is 0.45% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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