First National Bank in Olney
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Data as of · sourced from FFIEC call reports. How we update
First National Bank in Olney is an FDIC-insured commercial bank headquartered in Olney, IL, established in 1934 (FDIC certificate 14567), and it is supervised by the OCC. At Q2 2026 it reported total assets of $469.3M, up 2.4% from Q2 2025, the 107th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.83% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14567
- Headquarters
- Olney, IL
- Established
- 1934
- Total assets, Q2 2026
- $469.3M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 10.83%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081204126
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank in Olney call report
- Holding company
- SUMMIT BANCSHARES, LTD.
- Asset rank in state
- 107th of 319 in Illinois
Problem loans are rising at First National Bank in Olney. Based in Olney, Illinois, it had $469 million in assets at June 30, 2026, up 2.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.60% of loans from 0.81% a year earlier. It shrank its loan book 8.8% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also keeps 3.42 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 28% from a year earlier, to $1.2 million. Over the same year, loans shrank 8.8% and deposits grew 1.9%. Credit is the area to watch: it carries problem assets equal to 7.9% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, First National Bank in Olney reported a return on assets of 1.00%, a nonperforming-loan ratio of 1.60% and a Texas ratio of 7.91%. The figures come from its call report filed with the FFIEC.
First National Bank in Olney ranks as the 107th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $469.3M, loans fell 0.7% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 26.3% of total loans, followed by 1-4 family residential loans at 24.4%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Olney 2 offices book 63% of its branch deposits. Judged on its Q2 2026 call report, First National Bank in Olney meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 215 E Main St, Olney, IL 62450
- County
- Richland
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 9, 1934
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $415.4M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $100K
- Average total assets
- $482.1M
- Average total loans
- $232.8M
- Average interest-bearing deposits
- $331.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 9, 1934
- FDIC Cert
- 14567
- Fed RSSD
- 412845
- Website
- http://www.fnbolney.com →
- Parent Holding Company
- SUMMIT BANCSHARES, LTD. (RSSD 2267937)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank in Olney reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank in Olney's total assets ran between $433.2M (Q4 2023) and $475.5M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$469.3M total assets against $458.2M; $420.8M total liabilities against $412.8M.
$228.2M net loans and leases against $250.2M; $415.4M total deposits against $407.6M.
$180.1M securities against $161.3M; $38.7M cash and balances due against $29.6M.
$5.7M total interest income against $5.6M; $1.8M total interest expense against $2.0M.
$3.9M net interest income against $3.6M.
$493K total noninterest income against $554K; $2.6M total noninterest expense against $2.5M.
$150K provision for credit losses against $375K.
$1.2M net income against $941K.
1.00% return on assets against 0.80%; 3.42% net interest margin against 3.20%.
10.83% tier 1 leverage ratio against 10.61%.
Inside the full First National Bank in Olney terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank in Olney rankings
Its closest position to the top of a national ranking is 848 of 3,640, for Texas Ratio; its furthest is 2,511 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.23% (Q3 2024) to 1.63% (Q4 2024) and its net interest margin ran from 3.06% (Q1 2025) to 3.42% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.83% | 1.00% | 1.60% | 7.91% | 3.42% |
| Q1 2026 | 10.83% | 1.35% | 1.46% | 7.46% | 3.18% |
| Q4 2025 | 10.90% | 1.05% | 1.08% | 5.91% | 3.38% |
| Q3 2025 | 10.80% | 0.76% | 0.92% | 5.03% | 3.21% |
| Q2 2025 | 10.61% | 0.80% | 0.81% | 4.65% | 3.20% |
| Q1 2025 | 10.56% | 0.80% | 0.41% | 2.45% | 3.06% |
| Q4 2024 | 10.50% | 1.63% | 0.49% | 3.05% | 3.07% |
| Q3 2024 | 10.50% | 0.23% | 0.58% | 3.37% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank in Olney (main office) | Olney , IL | 62450 | $263.4M |
| Oblong Branch | Oblong , IL | 62449 | $64.9M |
| Robinson Branch | Robinson , IL | 62454 | $47.7M |
| Ingraham Branch | Ingraham , IL | 62434 | $30.0M |
| Newton Banking Center Branch | Newton , IL | 62448 | $9.5M |
| Olney Drive-In Facility | Olney , IL | 62450 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 15, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 1998 | Structure Change | Acquired Mt. Erie State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1996 | Structure Change | Acquired Ingraham State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 124 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank in Olney
What are First National Bank in Olney's total assets?
As of the Q2 2026 filing, First National Bank in Olney reported total assets of $469.3 million in its FFIEC call report.
Where is First National Bank in Olney headquartered?
It is headquartered in Olney, IL, United States.
When was First National Bank in Olney founded?
It was established in 1934, per the FDIC institution directory.
Is First National Bank in Olney FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank in Olney?
First National Bank in Olney's primary federal regulator is the OCC.
How many branches does First National Bank in Olney operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank in Olney's Texas Ratio?
Its Texas Ratio is 7.91% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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