The First National Bank of Allendale
Also written as FNB of Allendale
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Allendale is an FDIC-insured commercial bank headquartered in Allendale, IL, established in 1906 (FDIC certificate 12365), and it is supervised by the OCC. At Q2 2026 it reported total assets of $421.2M, up 7.5% from Q2 2025, the 116th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.80% 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
- 12365
- Headquarters
- Allendale, IL
- Established
- 1906
- Total assets, Q2 2026
- $421.2M
- Assets vs Q2 2025
- +7.5%
- Tier 1 leverage ratio, Q2 2026
- 9.80%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081211300
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Allendale Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- ALLENDALE BANCORP, INC
- Asset rank in state
- 116th of 319 in Illinois
Problem loans are falling at The First National Bank of Allendale. The Allendale, Illinois bank had $421 million in assets at June 30, 2026, up 7.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.17% of loans from 0.61% a year earlier.
Earnings jumped: net income for the quarter was $1.3 million, 46% above the same quarter a year earlier. Its $39 million commercial and industrial book is improving, with 1.43% past due or on nonaccrual, down from 3.48% a year earlier.
As of June 30, 2026, The First National Bank of Allendale reported a return on assets of 1.17%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.17%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Allendale is the 116th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 2.4% to $421.2M, loans rose 2.7% and deposits fell 2.8%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 28.8% of total loans, ahead of 1-4 family residential loans at 24.6%. The FDIC Summary of Deposits lists 3 offices for it, in Mount Carmel, IL, Allendale, IL and West Salem, IL; its Mount Carmel office books 81% of its branch deposits. On its Q2 2026 call report, The First National Bank of Allendale meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 E Main St, Allendale, IL 62410
- County
- Wabash
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $369.1M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $66K
- Average total assets
- $429.8M
- Average total loans
- $281.6M
- Average interest-bearing deposits
- $305.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12365
- Fed RSSD
- 990642
- Website
- www.fnba.bank →
- Parent Holding Company
- ALLENDALE BANCORP, INC (RSSD 2227409)
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 of Allendale 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 of Allendale's total assets ran between $368.2M (Q3 2023) and $434.3M (Q4 2025), 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
$421.2M total assets against $391.8M; $382.3M total liabilities against $358.4M.
$279.0M net loans and leases against $264.8M; $369.1M total deposits against $343.7M.
$82.9M securities against $78.2M; $35.8M cash and balances due against $25.4M.
$5.6M total interest income against $5.1M; $1.8M total interest expense against $1.9M.
$3.7M net interest income against $3.3M.
$425K total noninterest income against $362K; $2.3M total noninterest expense against $2.1M.
$150K provision for credit losses against $375K.
$1.3M net income against $860K.
1.17% return on assets against 0.87%; 3.73% net interest margin against 3.49%.
9.80% tier 1 leverage ratio against 9.73%.
Inside the full The First National Bank of Allendale terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Allendale rankings
Its closest position to the top of a national ranking is 1,293 of 3,606, for efficiency ratio; its furthest is 2,610 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q2 2025) to 1.17% (Q2 2026) and its net interest margin ran from 3.17% (Q3 2024) to 3.73% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.80% | 1.17% | 0.17% | 1.17% | 3.73% |
| Q1 2026 | 9.41% | 1.03% | 0.29% | 1.99% | 3.53% |
| Q4 2025 | 9.23% | 0.99% | 0.28% | 2.03% | 3.62% |
| Q3 2025 | 10.04% | 0.99% | 0.31% | 2.19% | 3.57% |
| Q2 2025 | 9.73% | 0.87% | 0.61% | 4.63% | 3.49% |
| Q1 2025 | 9.74% | 0.98% | 1.09% | 8.34% | 3.40% |
| Q4 2024 | 9.55% | 0.98% | 0.72% | 5.73% | 3.45% |
| Q3 2024 | 9.35% | 0.91% | 0.67% | 4.91% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Mount Carmel Facility | Mount Carmel , IL | 62863 | $300.0M |
| The First National Bank of Allendale | Allendale , IL | 62410 | $52.7M |
| First State Bank of West Salem | West Salem , IL | 62476 | $16.4M |
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 13, 2023 | Structure Change | Acquired Wabash Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 2016 | Structure Change | Acquired First State Bank of West Salem 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 135 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $22K approved, $22K 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
- Enforcement actions, Mortgage lending (HMDA), 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 of Allendale
What are The First National Bank of Allendale's total assets?
As of the Q2 2026 filing, The First National Bank of Allendale reported total assets of $421.2 million in its FFIEC call report.
Where is The First National Bank of Allendale headquartered?
It is headquartered in Allendale, IL, United States.
When was The First National Bank of Allendale founded?
It was established in 1906, per the FDIC institution directory.
Is The First National Bank of Allendale FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12365). 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 of Allendale?
The First National Bank of Allendale's primary federal regulator is the OCC.
How many branches does The First National Bank of Allendale operate?
It operates 3 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 of Allendale's Texas Ratio?
Its Texas Ratio is 1.17% 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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