BanksLITCHFIELD NATIONAL BANK, THE

LITCHFIELD NATIONAL BANK, THE

LITCHFIELD, ILSmallEst. May 1, 1907, midnightFDIC #3808RSSD #372444OCC
Latest · 2025-12-31

LITCHFIELD NATIONAL BANK, THE is an FDIC-insured commercial bank headquartered in LITCHFIELD, IL, established in May 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $140M and total deposits of $122M. Profitability stands at 0.45% ROA and 5.94% ROE, with a net interest margin of 2.91%. CET1 capital ratio: 15.64%, well above regulatory minimums. NPL ratio: 0.83% · Texas Ratio: 6.32%. Operates 2 domestic branches.

Assets
$140M
Deposits
$122M
Loans
$84M
Equity
$11M

Profitability

Return on Assets (ROA)0.45%
Return on Equity (ROE)5.94%
Net Interest Margin2.91%
Yield on Assets4.54%
Cost of Funds1.75%

Asset Quality

NPL Ratio0.83%
Net Charge-Off Ratio0.05%
Texas Ratio6.32%
NPA Ratio0.52%
ACL / Loans0.98%

Capital & Liquidity

CET1 Ratio15.64%
Tier 1 Capital15.64%
Total Capital Ratio16.72%
Leverage Ratio8.75%
Loan-to-Deposit68.94%

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