First National Bank in Olney: 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 Reserve coverage of non-performing loans: 2.88 percentage points higher than in Q1 2026, at 55.73%. First National Bank in Olney ranks 204th of 323 Illinois banks on return on assets, in the lower half at 1.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First National Bank in Olney sits 0.25 points lower, at 1.00% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.83% |
| Equity capital to assets | 10.33% |
| Tangible equity to tangible assets | 9.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.26% |
| Non-performing assets ratio | 1.11% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 12.23% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 55.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 10.04% |
| Net interest margin | 3.42% |
| Efficiency ratio | 59.48% |
| Yield on earning assets | 5.02% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.63% |
| Core deposits to total deposits | 87.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.52% |
| Securities to assets | 38.38% |
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 | 10.80% | 0.81% | 3.03% | 1.17% | 0.62% |
| Q4 2023 | 10.56% | 1.12% | 3.01% | 1.10% | -0.52% |
| Q1 2024 | 10.80% | 0.97% | 2.97% | 1.32% | -0.36% |
| Q2 2024 | 10.55% | 0.64% | 2.96% | 1.28% | 0.19% |
| Q3 2024 | 10.50% | 0.23% | 3.14% | 0.86% | 0.97% |
| Q4 2024 | 10.50% | 1.63% | 3.07% | 0.75% | -1.08% |
| Q1 2025 | 10.56% | 0.80% | 3.06% | 0.67% | 0.14% |
| Q2 2025 | 10.61% | 0.80% | 3.20% | 1.05% | 0.01% |
| Q3 2025 | 10.80% | 0.76% | 3.21% | 1.10% | 0.58% |
| Q4 2025 | 10.90% | 1.05% | 3.38% | 1.90% | -0.11% |
| Q1 2026 | 10.83% | 1.35% | 3.18% | 2.33% | -0.00% |
| Q2 2026 | 10.83% | 1.00% | 3.42% | 2.26% | 0.18% |
First National Bank in Olney vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Olney, 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 in Olney profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14567) · FFIEC NIC profile (RSSD 412845)