The First National Bank in Tremont
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank in Tremont is an FDIC-insured commercial bank headquartered in Tremont, IL, established in 1931 (FDIC certificate 3749), and it is supervised by the OCC. At Q2 2026 it reported total assets of $187.6M, up 2.5% from Q2 2025, the 205th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.89% 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
- 3749
- Headquarters
- Tremont, IL
- Established
- 1931
- Total assets, Q2 2026
- $187.6M
- Assets vs Q2 2025
- +2.5%
- Tier 1 leverage ratio, Q2 2026
- 9.89%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071109435
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank in Tremont call report
- Holding company
- TREMONT BANCORP, INC.
- Asset rank in state
- 205th of 319 in Illinois
Problem loans are rising at The First National Bank in Tremont. It reported $188 million in assets at June 30, 2026, up 2.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.66% of loans from 0.32% a year earlier. It pays an average of 1.24% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%).
Earnings jumped: net income for the quarter was $491,000, 48% above the same quarter a year earlier. Over the same year, loans grew 5.3% and deposits grew 1.6%.
As of June 30, 2026, The First National Bank in Tremont reported a return on assets of 1.03%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 4.21%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, The First National Bank in Tremont is the 205th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.4% to $187.6M, loans rose 2.8% and deposits fell 5.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.8% of total loans, followed by farmland and other real estate loans at 15.4%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in IL; its Tremont office books 53% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank in Tremont meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 134 S Sampson St, Tremont, IL 61568
- County
- Tazewell
- Metro Area
- Peoria, IL
- 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 18, 1931
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $166.1M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $30K
- Average total assets
- $191.1M
- Average total loans
- $121.6M
- Average interest-bearing deposits
- $133.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3749
- Fed RSSD
- 353546
- Website
- www.tremontbank.com →
- Parent Holding Company
- TREMONT BANCORP, INC. (RSSD 1492497)
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, The First National Bank in Tremont 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, The First National Bank in Tremont's total assets ran between $153.5M (Q3 2023) and $196.3M (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
$187.6M total assets against $183.1M; $168.9M total liabilities against $166.3M.
$124.0M net loans and leases against $117.8M; $166.1M total deposits against $163.6M.
$38.7M securities against $33.4M; $13.4M cash and balances due against $19.8M.
$2.3M total interest income against $2.2M; $532K total interest expense against $568K.
$1.8M net interest income against $1.6M.
$138K total noninterest income against $126K; $1.3M total noninterest expense against $1.2M.
$45K provision for credit losses against $45K.
$491K net income against $331K.
1.03% return on assets against 0.72%; 4.05% net interest margin against 3.74%.
9.89% tier 1 leverage ratio against 9.50%.
Inside the full The First National Bank in Tremont terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank in Tremont rankings
Its closest position to the top of a national ranking is 1,510 of 3,640, for Texas Ratio; its furthest is 3,052 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.57% (Q1 2025) to 1.09% (Q4 2025) and its net interest margin ran from 3.74% (Q1 2025) to 4.05% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.89% | 1.03% | 0.66% | 4.21% | 4.05% |
| Q1 2026 | 9.62% | 0.80% | 0.44% | 2.76% | 3.86% |
| Q4 2025 | 9.73% | 1.09% | 0.34% | 2.22% | 3.87% |
| Q3 2025 | 9.48% | 0.70% | 0.58% | 3.78% | 3.81% |
| Q2 2025 | 9.50% | 0.72% | 0.32% | 2.17% | 3.74% |
| Q1 2025 | 9.58% | 0.57% | 0.28% | 1.90% | 3.74% |
| Q4 2024 | 9.85% | 0.65% | 0.32% | 2.67% | 3.82% |
| Q3 2024 | 9.90% | 0.66% | 0.39% | 3.22% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| The First National Bank in Tremont | Tremont , IL | 61568 | $88.8M |
| New Holland Branch | New Holland , IL | 62671 | $29.0M |
| Hopedale Branch | Hopedale , IL | 61747 | $26.5M |
| Lincoln Banking Center Branch | Lincoln , IL | 62656 | $21.9M |
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 |
|---|---|---|---|
| March 13, 2004 | Structure Change | Acquired Community Bank of Hopedale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 7 against individuals associated with it
- December 16, 2008, OCC: Formal Agreement: The First National Bank in Tremont
- Period: Most recent institution action December 16, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 242 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 63 applications, 53 loans originated, $10.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The First National Bank in Tremont
What are The First National Bank in Tremont's total assets?
As of the Q2 2026 filing, The First National Bank in Tremont reported total assets of $187.6 million in its FFIEC call report.
Where is The First National Bank in Tremont headquartered?
It is headquartered in Tremont, IL, United States.
When was The First National Bank in Tremont founded?
It was established in 1931, per the FDIC institution directory.
Is The First National Bank in Tremont FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank in Tremont?
The First National Bank in Tremont's primary federal regulator is the OCC.
How many branches does The First National Bank in Tremont operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank in Tremont's Texas Ratio?
Its Texas Ratio is 4.21% 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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