FIRST NATIONAL BANK IN AMBOY, THE

AMBOY, IL | Small | Est. Aug. 11, 1934, midnight | FDIC #14674 | RSSD #656032 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK IN AMBOY, THE is asn small FDIC-insured commercial bank headquartered in AMBOY, IL, established in Aug. 11, 1934, midnight. As of 2025-12-31, the bank reported total assets of $314M and total deposits of $259M. Profitability stands at 0.90% ROA and 9.78% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 9.22%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #14674.

Assets

$314M

Deposits

$259M

Loans

$133M

Equity

$29M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 9.78%
Net Interest Margin (NIM) 3.53%
Yield on Assets 5.04%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.83%

Capital & Liquidity

CET1 Ratio 9.22%
Tier 1 Capital 9.22%
Total Capital Ratio 9.68%
Leverage Ratio 10.68%
Loan-to-Deposit 51.43%

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