FIRST NATIONAL BANK OF LITCHFIELD, THE
FIRST NATIONAL BANK OF LITCHFIELD, THE is an FDIC-insured commercial bank headquartered in LITCHFIELD, IL, established in 1860. As of , 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 3.62%. CET1 capital ratio: 14.67%, well above regulatory minimums. NPL ratio: 0.12% · Texas Ratio: 0.76%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First National Bank of Litchfield, the rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.67% | 1.40% | 0.12% | 0.76% | 3.62% |
| 2025-09-30 | 15.51% | 1.12% | 0.13% | 0.83% | 3.56% |
| 2025-06-30 | 15.26% | 1.29% | 0.13% | 0.87% | 3.52% |
| 2025-03-31 | 15.11% | 1.16% | 0.07% | 0.50% | 3.48% |
| 2024-12-31 | 15.45% | 1.08% | 0.08% | 0.55% | 3.34% |
| 2024-09-30 | 15.94% | 1.01% | 0.09% | 0.55% | 3.23% |
| 2024-06-30 | 15.89% | 0.88% | 0.12% | 0.74% | 3.18% |
| 2024-03-31 | 15.70% | 0.97% | 0.14% | 0.89% | 3.11% |
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Frequently asked about FIRST NATIONAL BANK OF LITCHFIELD, THE
What are First National Bank of Litchfield, the's total assets?
As of the Q4 2025 filing, First National Bank of Litchfield, the reported total assets of $142.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Litchfield, the headquartered?
First National Bank of Litchfield, the is headquartered in LITCHFIELD, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Litchfield, the founded?
First National Bank of Litchfield, the was established in 1860, per the FDIC institution directory.
Is First National Bank of Litchfield, the FDIC-insured?
Yes. First National Bank of Litchfield, the is an FDIC-insured commercial bank (FDIC Certificate #3807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Litchfield, the?
First National Bank of Litchfield, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank of Litchfield, the's CET1 capital ratio?
First National Bank of Litchfield, the reported a Common Equity Tier 1 (CET1) capital ratio of 14.67% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First National Bank of Litchfield, the operate?
First National Bank of Litchfield, the operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank of Litchfield, the's Texas Ratio?
First National Bank of Litchfield, the's Texas Ratio is 0.76% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.