First National Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Texas ratio: 1013.26 percentage points higher than in Q1 2026, at 137.04%. First National Bank and Trust Company has the 15th lowest return on assets of the 323 banks headquartered in Illinois, at -0.09% as of Q2 2026. First National Bank and Trust Company's return on assets of -0.09% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.35 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.10% |
| Tier 1 risk-based capital ratio | 12.10% |
| Total risk-based capital ratio | 12.58% |
| Tier 1 leverage ratio | 7.79% |
| Equity capital to assets | 1.02% |
| Tangible equity to tangible assets | -0.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.87% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 137.04% |
| Allowance for credit losses to loans | 0.72% |
| Reserve coverage of non-performing loans | 82.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.09% |
| Return on equity | -10.08% |
| Net interest margin | 2.73% |
| Efficiency ratio | 90.88% |
| Yield on earning assets | 4.85% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.02% |
| Core deposits to total deposits | 65.96% |
| Brokered deposits to total deposits | 27.98% |
| Deposits to assets | 94.03% |
| Securities to assets | 49.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.48% | 13.48% | 13.86% | 7.39% | 0.52% |
| Q4 2023 | 13.26% | 13.26% | 13.67% | 7.01% | 0.02% |
| Q1 2024 | 13.59% | 13.59% | 14.01% | 7.16% | 0.26% |
| Q2 2024 | 13.00% | 13.00% | 13.38% | 7.62% | -0.33% |
| Q3 2024 | 12.68% | 12.68% | 13.13% | 7.40% | -0.14% |
| Q4 2024 | 12.98% | 12.98% | 13.36% | 7.39% | -0.13% |
| Q1 2025 | 13.04% | 13.04% | 13.46% | 7.42% | -0.08% |
| Q2 2025 | 12.94% | 12.94% | 13.37% | 7.40% | -0.44% |
| Q3 2025 | 11.83% | 11.83% | 12.33% | 7.58% | -0.12% |
| Q4 2025 | 12.14% | 12.14% | 12.67% | 7.44% | -0.18% |
| Q1 2026 | 12.49% | 12.49% | 12.99% | 7.78% | 1.11% |
| Q2 2026 | 12.10% | 12.10% | 12.58% | 7.79% | -0.09% |
First National Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3639) · FFIEC NIC profile (RSSD 32234)