The First National Bank of Allendale: 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 39.93 percentage points in Q2 2026, from 246.11% to 206.18%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The First National Bank of Allendale is 165th of 323 on return on assets, 1.17% 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. The First National Bank of Allendale sits 0.08 points lower, at 1.17% (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 | 9.80% |
| Equity capital to assets | 9.24% |
| Tangible equity to tangible assets | 9.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 3.19% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 206.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 13.07% |
| Net interest margin | 3.73% |
| Efficiency ratio | 55.40% |
| Yield on earning assets | 5.55% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.30% |
| Core deposits to total deposits | 80.02% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.64% |
| Securities to assets | 19.68% |
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 | 9.35% | 0.75% | 2.85% | 0.30% | 0.02% |
| Q4 2023 | 9.37% | 1.10% | 2.99% | 0.37% | 0.11% |
| Q1 2024 | 9.16% | 0.72% | 2.98% | 0.87% | -0.03% |
| Q2 2024 | 9.08% | 0.91% | 3.11% | 0.82% | -0.04% |
| Q3 2024 | 9.35% | 0.91% | 3.17% | 0.82% | 0.04% |
| Q4 2024 | 9.55% | 0.98% | 3.45% | 0.85% | 0.17% |
| Q1 2025 | 9.74% | 0.98% | 3.40% | 1.21% | -0.02% |
| Q2 2025 | 9.73% | 0.87% | 3.49% | 0.73% | 1.81% |
| Q3 2025 | 10.04% | 0.99% | 3.57% | 0.44% | 0.23% |
| Q4 2025 | 9.23% | 0.99% | 3.62% | 0.28% | 0.34% |
| Q1 2026 | 9.41% | 1.03% | 3.53% | 0.39% | -0.01% |
| Q2 2026 | 9.80% | 1.17% | 3.73% | 0.47% | 0.11% |
The First National Bank of Allendale vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Allendale, 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 of Allendale profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12365) · FFIEC NIC profile (RSSD 990642)