FNBC BANK AND TRUST

LA GRANGE, IL | Medium | Est. Aug. 17, 1908, midnight | FDIC #11306 | RSSD #608844 | FDIC
Latest Report: 2025-12-31

FNBC BANK AND TRUST is amn medium FDIC-insured commercial bank headquartered in LA GRANGE, IL, established in Aug. 17, 1908, midnight. As of 2025-12-31, the bank reported total assets of $598M and total deposits of $540M. Profitability stands at 1.29% ROA and 14.00% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 18.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #11306.

Assets

$598M

Deposits

$540M

Loans

$314M

Equity

$55M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 14.00%
Net Interest Margin (NIM) 3.29%
Yield on Assets 4.48%
Cost of Funds 1.20%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 18.57%
Tier 1 Capital 18.57%
Total Capital Ratio 19.76%
Leverage Ratio 9.69%
Loan-to-Deposit 58.25%

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