FIRST NATIONAL BANK OF LITCHFIELD, THE

LITCHFIELD, IL | Small | Est. Jan. 1, 1860, midnight | FDIC #3807 | RSSD #370347 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF LITCHFIELD, THE is asn small FDIC-insured commercial bank headquartered in LITCHFIELD, IL, established in Jan. 1, 1860, midnight. As of 2025-12-31, the bank reported total assets of $143M and total deposits of $125M. Profitability stands at 1.40% ROA and 12.52% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 14.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 0.76%. FDIC Certificate #3807.

Assets

$143M

Deposits

$125M

Loans

$114M

Equity

$16M

Profitability

Return on Assets (ROA) 1.40%
Return on Equity (ROE) 12.52%
Net Interest Margin (NIM) 3.88%
Yield on Assets 6.12%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.76%
NPA Ratio 0.09%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 14.67%
Tier 1 Capital 14.67%
Total Capital Ratio 15.83%
Leverage Ratio 12.04%
Loan-to-Deposit 91.73%

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