FIRST NATIONAL BANK IN TREMONT, THE

TREMONT, IL | Small | Est. Nov. 18, 1931, midnight | FDIC #3749 | RSSD #353546 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK IN TREMONT, THE is asn small FDIC-insured commercial bank headquartered in TREMONT, IL, established in Nov. 18, 1931, midnight. As of 2025-12-31, the bank reported total assets of $184M and total deposits of $163M. Profitability stands at 1.11% ROA and 11.38% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 9.16%. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.05%. FDIC Certificate #3749.

Assets

$184M

Deposits

$163M

Loans

$125M

Equity

$18M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 11.38%
Net Interest Margin (NIM) 3.96%
Yield on Assets 5.34%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.05%
NPA Ratio 0.00%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 9.16%
Tier 1 Capital 9.16%
Total Capital Ratio 9.62%
Leverage Ratio 9.73%
Loan-to-Deposit 76.37%

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