1NB BANK
1NB BANK is an FDIC-insured commercial bank headquartered in CARLYLE, IL, established in 1878. As of , 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 3.10%. CET1 capital ratio: 9.37%. NPL ratio: 0.34% · Texas Ratio: 2.13%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
1nb Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 9.37% | 1.33% | 0.34% | 2.13% | 3.10% |
| 2025-09-30 | 9.24% | 1.10% | 0.43% | 2.64% | 3.00% |
| 2025-06-30 | 8.98% | 0.89% | 0.55% | 3.37% | 2.88% |
| 2025-03-31 | 8.49% | 0.73% | 0.52% | 3.21% | 2.62% |
| 2024-12-31 | 7.89% | 0.61% | 0.50% | 3.31% | 2.52% |
| 2024-09-30 | 8.29% | 0.76% | 0.63% | 3.71% | 2.46% |
| 2024-06-30 | 7.54% | 0.80% | 0.59% | 3.92% | 2.31% |
| 2024-03-31 | 7.25% | 0.59% | 0.03% | 0.24% | 2.14% |
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Frequently asked about 1NB BANK
What are 1nb Bank's total assets?
As of the Q4 2025 filing, 1nb Bank reported total assets of $306.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is 1nb Bank headquartered?
1nb Bank is headquartered in CARLYLE, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was 1nb Bank founded?
1nb Bank was established in 1878, per the FDIC institution directory.
Is 1nb Bank FDIC-insured?
Yes. 1nb Bank is an FDIC-insured commercial bank (FDIC Certificate #14761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1nb Bank?
1nb Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is 1nb Bank's CET1 capital ratio?
1nb Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.37% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does 1nb Bank operate?
1nb Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is 1nb Bank's Texas Ratio?
1nb Bank's Texas Ratio is 2.13% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.