1NB BANK

CARLYLE, IL | Small | Est. Jan. 1, 1878, midnight | FDIC #14761 | RSSD #614948 | FED
Latest Report: 2025-12-31

1NB BANK is asn small FDIC-insured commercial bank headquartered in CARLYLE, IL, established in Jan. 1, 1878, midnight. As of 2025-12-31, the bank reported total assets of $307M and total deposits of $257M. Profitability stands at 1.33% ROA and 14.21% ROE, with a net interest margin of 3.26%. The bank's CET1 capital ratio is 9.35%. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.33%. FDIC Certificate #14761.

Assets

$307M

Deposits

$257M

Loans

$195M

Equity

$29M

Profitability

Return on Assets (ROA) 1.33%
Return on Equity (ROE) 14.21%
Net Interest Margin (NIM) 3.26%
Yield on Assets 5.00%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.10%
Texas Ratio 1.33%
NPA Ratio 0.13%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 9.35%
Tier 1 Capital 9.35%
Total Capital Ratio 9.81%
Leverage Ratio 10.14%
Loan-to-Deposit 75.92%

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