FIRST NATIONAL BANK IN OLNEY

OLNEY, IL | Small | Est. July 9, 1934, midnight | FDIC #14567 | RSSD #412845 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK IN OLNEY is asn small FDIC-insured commercial bank headquartered in OLNEY, IL, established in July 9, 1934, midnight. As of 2025-12-31, the bank reported total assets of $455M and total deposits of $404M. Profitability stands at 1.08% ROA and 10.28% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 8.58%. Asset quality metrics show a non-performing loan ratio of 1.08% and a Texas Ratio of 5.37%. FDIC Certificate #14567.

Assets

$455M

Deposits

$404M

Loans

$248M

Equity

$48M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 10.28%
Net Interest Margin (NIM) 3.59%
Yield on Assets 5.44%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 1.08%
Net Charge-Off Ratio 0.16%
Texas Ratio 5.37%
NPA Ratio 0.61%
ACL / Loans 1.41%

Capital & Liquidity

CET1 Ratio 8.58%
Tier 1 Capital 8.58%
Total Capital Ratio 9.01%
Leverage Ratio 10.90%
Loan-to-Deposit 61.42%

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