BanksFIRST NATIONAL BANK OF LACON

FIRST NATIONAL BANK OF LACON

LACON, ILMicroEst. April 11, 1864, midnightFDIC #3688RSSD #824738OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF LACON is an FDIC-insured commercial bank headquartered in LACON, IL, established in April 11, 1864, midnight. As of 2025-12-31, the bank reported total assets of $96M and total deposits of $88M. Profitability stands at 1.16% ROA and 14.57% ROE, with a net interest margin of 4.13%. CET1 capital ratio: 12.02%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$96M
Deposits
$88M
Loans
$67M
Equity
$8M

Profitability

Return on Assets (ROA)1.16%
Return on Equity (ROE)14.57%
Net Interest Margin4.13%
Yield on Assets5.21%
Cost of Funds1.08%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.10%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.73%

Capital & Liquidity

CET1 Ratio12.02%
Tier 1 Capital12.02%
Total Capital Ratio12.72%
Leverage Ratio8.72%
Loan-to-Deposit76.03%

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