BanksFIRST NATIONAL BANK OF SPARTA, THE

FIRST NATIONAL BANK OF SPARTA, THE

SPARTA, ILSmallEst. Oct. 2, 1885, midnightFDIC #3837RSSD #246947OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF SPARTA, THE is an FDIC-insured commercial bank headquartered in SPARTA, IL, established in Oct. 2, 1885, midnight. As of 2025-12-31, the bank reported total assets of $112M and total deposits of $99M. Profitability stands at 4.52% ROA and 42.24% ROE, with a net interest margin of 3.87%. CET1 capital ratio: 25.20%, well above regulatory minimums. NPL ratio: 0.20% · Texas Ratio: 0.75%. Operates 1 domestic branch.

Assets
$112M
Deposits
$99M
Loans
$48M
Equity
$12M

Profitability

Return on Assets (ROA)4.52%
Return on Equity (ROE)42.24%
Net Interest Margin3.87%
Yield on Assets5.44%
Cost of Funds1.63%

Asset Quality

NPL Ratio0.20%
Net Charge-Off Ratio0.12%
Texas Ratio0.75%
NPA Ratio0.09%
ACL / Loans1.27%

Capital & Liquidity

CET1 Ratio25.20%
Tier 1 Capital25.20%
Total Capital Ratio26.34%
Leverage Ratio12.83%
Loan-to-Deposit48.38%

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