First National Bank in Pinckneyville: 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.
Reserve coverage of non-performing loans dropped 8.22 percentage points in Q2 2026, from 58.44% to 50.22%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First National Bank in Pinckneyville is 175th of 323 on return on assets, 1.14% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First National Bank in Pinckneyville sits 0.11 points lower, at 1.14% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.01% |
| Tier 1 risk-based capital ratio | 22.01% |
| Total risk-based capital ratio | 22.92% |
| Tier 1 leverage ratio | 11.78% |
| Equity capital to assets | 8.38% |
| Tangible equity to tangible assets | 8.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.91% |
| Non-performing assets ratio | 0.96% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 11.85% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 50.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 13.89% |
| Net interest margin | 4.07% |
| Efficiency ratio | 58.36% |
| Yield on earning assets | 4.83% |
| Cost of funds | 0.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.11% |
| Core deposits to total deposits | 82.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.96% |
| Securities to assets | 43.39% |
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 | 26.32% | 26.32% | 27.21% | 11.86% | 1.81% |
| Q4 2023 | 26.58% | 26.58% | 27.49% | 11.69% | 1.11% |
| Q1 2024 | 26.75% | 26.75% | 27.63% | 11.72% | 1.05% |
| Q2 2024 | 24.85% | 24.85% | 25.65% | 11.71% | 1.13% |
| Q3 2024 | 24.47% | 24.47% | 25.27% | 11.36% | 1.09% |
| Q4 2024 | 23.01% | 23.01% | 23.83% | 10.64% | 1.05% |
| Q1 2025 | 23.27% | 23.27% | 24.11% | 11.16% | 1.13% |
| Q2 2025 | 25.36% | 25.36% | 26.17% | 12.58% | 7.39% |
| Q3 2025 | 25.21% | 25.21% | 26.08% | 12.90% | 1.20% |
| Q4 2025 | 21.99% | 21.99% | 22.86% | 11.29% | 1.16% |
| Q1 2026 | 21.82% | 21.82% | 22.67% | 11.53% | 1.27% |
| Q2 2026 | 22.01% | 22.01% | 22.92% | 11.78% | 1.14% |
First National Bank in Pinckneyville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Pinckneyville, 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 Pinckneyville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13813) · FFIEC NIC profile (RSSD 340443)