The First National Bank in Amboy: 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.
Compared with Q1 2026, Core deposits to total deposits fell 0.47 percentage points in Q2 2026 to 88.22%, the biggest move on this page. The First National Bank in Amboy ranks 203rd of 323 Illinois banks on return on assets, in the lower half at 1.00% (Q2 2026). The First National Bank in Amboy reported 1.00% on return on assets for Q2 2026, 0.25 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.67% |
| Equity capital to assets | 9.10% |
| Tangible equity to tangible assets | 9.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 1.82% |
| Reserve coverage of non-performing loans | 4282.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 10.92% |
| Net interest margin | 3.54% |
| Efficiency ratio | 66.85% |
| Yield on earning assets | 4.93% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.51% |
| Core deposits to total deposits | 88.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.62% |
| Securities to assets | 52.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.69% | 0.93% | 3.16% | 0.00% | -0.05% |
| Q4 2023 | 10.69% | 0.91% | 3.07% | 0.00% | -0.05% |
| Q1 2024 | 10.44% | 0.77% | 3.02% | 0.00% | -0.05% |
| Q2 2024 | 10.24% | 0.75% | 2.98% | 0.00% | -0.02% |
| Q3 2024 | 10.29% | 0.90% | 3.05% | 0.00% | -0.08% |
| Q4 2024 | 10.52% | 1.05% | 3.15% | 0.00% | -0.03% |
| Q1 2025 | 10.64% | 0.96% | 3.37% | 0.00% | -0.12% |
| Q2 2025 | 10.49% | 0.79% | 3.23% | 0.00% | 0.01% |
| Q3 2025 | 10.52% | 0.72% | 3.29% | 0.00% | -0.01% |
| Q4 2025 | 10.68% | 0.90% | 3.46% | 0.00% | -0.01% |
| Q1 2026 | 10.65% | 1.03% | 3.49% | 0.00% | -0.02% |
| Q2 2026 | 10.67% | 1.00% | 3.54% | 0.04% | -0.01% |
The First National Bank in Amboy vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Amboy, 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 The First National Bank in Amboy profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14674) · FFIEC NIC profile (RSSD 656032)