Banks FIRST NATIONAL BANK OF LITCHFIELD, THE

FIRST NATIONAL BANK OF LITCHFIELD, THE

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

FIRST NATIONAL BANK OF LITCHFIELD, THE is an 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%. CET1 capital ratio: 14.67%, well above regulatory minimums. NPL ratio: 0.12% · Texas Ratio: 0.76%.

Assets
$143M
Deposits
$125M
Loans
$114M
Equity
$16M

Profitability

Return on Assets (ROA)1.40%
Return on Equity (ROE)12.52%
Net Interest Margin3.88%
Yield on Assets6.12%
Cost of Funds2.32%

Asset Quality

NPL Ratio0.12%
Net Charge-Off Ratio0.04%
Texas Ratio0.76%
NPA Ratio0.09%
ACL / Loans1.19%

Capital & Liquidity

CET1 Ratio14.67%
Tier 1 Capital14.67%
Total Capital Ratio15.83%
Leverage Ratio12.04%
Loan-to-Deposit91.73%

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