The First National Bank in Tremont: 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: 336.94 percentage points lower than in Q1 2026, at 962.18%. The First National Bank in Tremont ranks 199th of 323 Illinois banks on return on assets, in the lower half at 1.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The First National Bank in Tremont sits 0.23 points lower, at 1.03% (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 | 9.89% |
| Equity capital to assets | 9.97% |
| Tangible equity to tangible assets | 9.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 4.21% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 962.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 10.57% |
| Net interest margin | 4.05% |
| Efficiency ratio | 63.73% |
| Yield on earning assets | 5.22% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.53% |
| Core deposits to total deposits | 92.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.55% |
| Securities to assets | 20.64% |
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 | 10.90% | 0.28% | 3.68% | 0.19% | 0.12% |
| Q4 2023 | 10.81% | 0.09% | 3.62% | 0.23% | -0.00% |
| Q1 2024 | 10.49% | 0.13% | 3.44% | 0.24% | 0.11% |
| Q2 2024 | 10.22% | 0.26% | 3.57% | 0.19% | -0.00% |
| Q3 2024 | 9.90% | 0.66% | 3.89% | 0.11% | 0.05% |
| Q4 2024 | 9.85% | 0.65% | 3.82% | 0.10% | 0.04% |
| Q1 2025 | 9.58% | 0.57% | 3.74% | 0.14% | -0.05% |
| Q2 2025 | 9.50% | 0.72% | 3.74% | 0.14% | 0.13% |
| Q3 2025 | 9.48% | 0.70% | 3.81% | 0.13% | -0.01% |
| Q4 2025 | 9.73% | 1.09% | 3.87% | 0.09% | 0.09% |
| Q1 2026 | 9.62% | 0.80% | 3.86% | 0.09% | 0.06% |
| Q2 2026 | 9.89% | 1.03% | 4.05% | 0.12% | 0.04% |
The First National Bank in Tremont 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 Tremont, 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 Tremont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3749) · FFIEC NIC profile (RSSD 353546)