The First National Bank of Arenzville
The First National Bank of Arenzville is an FDIC-insured commercial bank headquartered in Arenzville, IL, supervised by the OCC, with $158.7M in total assets at Q2 2026, up 9.3% from Q2 2025, the 224th largest of 319 banks headquartered in Illinois. It was established in 1882 and holds FDIC certificate 3599. Its CET1 capital ratio was 10.63% at Q2 2026, above regulatory requirements.
Also written as FNB of Arenzville
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3599
- Headquarters
- Arenzville, IL
- Established
- 1882
- Total assets, Q2 2026
- $158.7M
- Assets vs Q2 2025
- +9.3%
- CET1 ratio, Q2 2026
- 10.63%
- Domestic offices
- 3 · The First National Bank of Arenzville branches FDIC institution directory, current count
- Routing number
- 071110521
- Safety and soundness
- Is The First National Bank of Arenzville safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Arenzville Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- ARENZVILLE BANCORP, INC
- Asset rank in state
- 224th of 319 in Illinois
The First National Bank of Arenzville is one of the more profitable banks of its size. Based in Arenzville, Illinois, it had $159 million in assets at June 30, 2026, up 9.3% from a year earlier. It returns 23.1% a year on shareholders' equity, about double the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it holds common equity equal to 10.63% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.11%).
As of June 30, 2026, The First National Bank of Arenzville reported a CET1 capital ratio of 10.63%, a return on assets of 1.88%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Arenzville is the 224th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $158.7M, loans rose 2.3% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.6% of total loans, ahead of farmland and other real estate loans at 17.4%. Its 3 offices in the FDIC Summary of Deposits are in Arenzville, IL and Jacksonville, IL; its Arenzville office books 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, The First National Bank of Arenzville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 110 S Charles St, Arenzville, IL 62611
- County
- Cass
- 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
- January 1, 1882
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $143.7M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $159.6M
- Average total loans
- $112.2M
- Average interest-bearing deposits
- $118.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3599
- Fed RSSD
- 593333
- SEC CIK
- 1459387 → filed by ARENZVILLE BANCORP, INC
- Website
- www.fnbarenzville.com →
- Parent Holding Company
- ARENZVILLE BANCORP, INC (RSSD 2734073)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The First National Bank of Arenzville's total assets moved between a low of $134.2M (Q3 2023) and a high of $158.7M (Q2 2026) from Q3 2023 to Q2 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
$158.7M total assets against $145.2M; $145.3M total liabilities against $133.3M.
$112.2M net loans and leases against $105.2M; $143.7M total deposits against $131.9M.
$25.2M securities against $25.5M; $16.5M cash and balances due against $9.9M.
$2.2M total interest income against $1.9M; $567K total interest expense against $497K.
$1.6M net interest income against $1.4M.
$270K total noninterest income against $201K; $1.1M total noninterest expense against $842K.
$21K provision for credit losses against $49K.
$750K net income against $702K.
1.88% return on assets against 1.93%; 4.15% net interest margin against 3.95%.
10.63% CET1 capital ratio against 10.29%; 8.83% tier 1 leverage ratio against 8.74%.
Inside the full The First National Bank of Arenzville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Arenzville rankings
Its closest position to the top of a national ranking is 639 of 3,611, for ROA; its furthest is 2,023 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.55% (Q4 2024) to 1.93% (Q2 2025) and its net interest margin ran from 3.55% (Q3 2024) to 4.20% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.63% | 1.88% | 0.05% | 0.39% | 4.15% |
| Q1 2026 | 10.43% | 1.75% | 0.05% | 0.41% | 3.94% |
| Q4 2025 | 10.69% | 0.82% | 0.05% | 0.41% | 4.13% |
| Q3 2025 | 10.62% | 1.79% | 0.14% | 1.07% | 4.20% |
| Q2 2025 | 10.29% | 1.93% | 0.02% | 0.19% | 3.95% |
| Q1 2025 | 10.09% | 1.46% | 0.06% | 0.53% | 3.59% |
| Q4 2024 | 10.37% | 0.55% | 0.04% | 0.33% | 3.58% |
| Q3 2024 | 10.44% | 1.59% | 0.04% | 0.33% | 3.55% |
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 |
|---|---|---|---|
| The First National Bank of Arenzville | Arenzville , IL | 62611 | $75.1M |
| South Jacksonville Branch | Jacksonville , IL | 62650 | $40.5M |
| West Morton Avenue Branch | Jacksonville , IL | 62650 | $28.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- April 17, 2001, OCC: Formal Agreement: The First National Bank of Arenzville
- Period: Most recent institution action April 17, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 257 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Arenzville
What are The First National Bank of Arenzville's total assets?
As of the Q2 2026 filing, The First National Bank of Arenzville reported total assets of $158.7 million in its FFIEC call report.
Where is The First National Bank of Arenzville headquartered?
It is headquartered in Arenzville, IL, United States.
When was The First National Bank of Arenzville founded?
It was established in 1882, per the FDIC institution directory.
Is The First National Bank of Arenzville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3599). 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 Arenzville?
The First National Bank of Arenzville's primary federal regulator is the OCC.
What is The First National Bank of Arenzville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.63% in its Q2 2026 call report, above regulatory requirements.
How many branches does The First National Bank of Arenzville 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 Arenzville's Texas Ratio?
Its Texas Ratio is 0.39% 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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