FIRST NATIONAL BANK OF RAYMOND, THE

RAYMOND, IL | Small | Est. Oct. 1, 1903, midnight | FDIC #3830 | RSSD #421445 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF RAYMOND, THE is asn small FDIC-insured commercial bank headquartered in RAYMOND, IL, established in Oct. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $180M and total deposits of $164M. Profitability stands at 1.07% ROA and 14.54% ROE, with a net interest margin of 3.68%. The bank's CET1 capital ratio is 7.53%. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 2.87%. FDIC Certificate #3830.

Assets

$180M

Deposits

$164M

Loans

$91M

Equity

$14M

Profitability

Return on Assets (ROA) 1.07%
Return on Equity (ROE) 14.54%
Net Interest Margin (NIM) 3.68%
Yield on Assets 4.72%
Cost of Funds 1.04%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio -0.09%
Texas Ratio 2.87%
NPA Ratio 0.23%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 7.53%
Tier 1 Capital 7.53%
Total Capital Ratio 7.90%
Leverage Ratio 10.91%
Loan-to-Deposit 55.44%

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