FIRST NATIONAL BANK IN PINCKNEYVILLE

PINCKNEYVILLE, IL | Small | Est. Jan. 1, 1901, midnight | FDIC #13813 | RSSD #340443 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK IN PINCKNEYVILLE is asn small FDIC-insured commercial bank headquartered in PINCKNEYVILLE, IL, established in Jan. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $138M and total deposits of $124M. Profitability stands at 1.17% ROA and 14.32% ROE, with a net interest margin of 4.28%. The bank's CET1 capital ratio is 21.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.45% and a Texas Ratio of 8.36%. FDIC Certificate #13813.

Assets

$138M

Deposits

$124M

Loans

$65M

Equity

$11M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 14.32%
Net Interest Margin (NIM) 4.28%
Yield on Assets 5.15%
Cost of Funds 0.88%

Asset Quality

NPL Ratio 1.45%
Net Charge-Off Ratio 0.04%
Texas Ratio 8.36%
NPA Ratio 0.68%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 21.99%
Tier 1 Capital 21.99%
Total Capital Ratio 22.86%
Leverage Ratio 11.29%
Loan-to-Deposit 52.28%

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