The First National Bank of Assumption
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Assumption is an FDIC-insured commercial bank headquartered in Assumption, IL (FDIC certificate 3600), and it is supervised by the OCC. At Q2 2026 it reported total assets of $25.2M, little changed from Q2 2025, the 312th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.14% 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
- 3600
- Headquarters
- Assumption, IL
- Established
- Not reported
- Total assets, Q2 2026
- $25.2M
- Assets vs Q2 2025
- 0.0%
- Tier 1 leverage ratio, Q2 2026
- 11.14%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071106593
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Assumption call report
- Asset rank in state
- 312th of 319 in Illinois
The First National Bank of Assumption, based in Assumption, Illinois, reported $25 million in assets at June 30, 2026. It pays an average of 0.62% on its deposits and borrowings, about a third the median of 1.53% for the 533 banks with less than $100 million in assets.
Loans and deposits moved in opposite directions: over the year loans rose 3.9% and deposits fell 0.7%. Unrealized losses on its securities total $457,000, equal to 17% of Tier 1 capital, against 22% a year earlier.
As of June 30, 2026, The First National Bank of Assumption reported a return on assets of 1.23%, a nonperforming-loan ratio of 1.24% and a Texas ratio of 3.33%. The figures come from its call report filed with the FFIEC.
The First National Bank of Assumption ranks as the 312th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.2% to $25.2M, loans rose 1.7% and deposits rose 4.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.4% of total loans, ahead of auto loans at 12.7%. Its one office in the FDIC Summary of Deposits is in Assumption, IL. By the capital ratios in its Q2 2026 call report, The First National Bank of Assumption meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 141 N Chestnut St, Assumption, IL 62510
- County
- Christian
- Metro Area
- Taylorville, 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
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $22.7M
- Allowance for credit losses
- $93K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $24.4M
- Average total loans
- $6.7M
- Average interest-bearing deposits
- $15.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3600
- Fed RSSD
- 604033
- Website
- www.FNBAssumption.com →
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 Assumption reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Assumption's total assets moved between a low of $22.8M (Q4 2023) and a high of $25.2M (Q3 2023) 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
$25.2M total assets against $25.2M; $22.8M total liabilities against $22.9M.
$6.6M net loans and leases against $6.3M; $22.7M total deposits against $22.9M.
$6.3M securities against $7.1M; $11.9M cash and balances due against $11.4M.
$250K total interest income against $253K; $34K total interest expense against $42K.
$216K net interest income against $211K.
$3K total noninterest income against $3K; $128K total noninterest expense against $128K.
$0 provision for credit losses against $0.
$75K net income against $67K.
1.23% return on assets against 1.10%; 3.67% net interest margin against 3.61%.
11.14% tier 1 leverage ratio against 10.73%.
Inside the full The First National Bank of Assumption terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.16% (Q4 2024) to 1.23% (Q2 2026) and its net interest margin ran from 3.15% (Q1 2025) to 3.67% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.14% | 1.23% | 1.24% | 3.33% | 3.67% |
| Q1 2026 | 11.06% | 0.89% | 1.22% | 3.30% | 3.35% |
| Q4 2025 | 11.21% | 0.61% | 1.23% | 3.35% | 3.57% |
| Q3 2025 | 10.12% | 0.94% | 1.70% | 4.60% | 3.42% |
| Q2 2025 | 10.73% | 1.10% | 1.34% | 3.70% | 3.61% |
| Q1 2025 | 10.25% | 0.69% | 1.45% | 4.15% | 3.15% |
| Q4 2024 | 11.26% | 0.16% | 1.47% | 4.30% | 3.43% |
| Q3 2024 | 11.27% | 0.83% | 1.45% | 4.10% | 3.27% |
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Branch Network
View the branch → 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 Assumption | Assumption , IL | 62510 | $22.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 367 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Assumption
What are The First National Bank of Assumption's total assets?
As of the Q2 2026 filing, The First National Bank of Assumption reported total assets of $25.2 million in its FFIEC call report.
Where is The First National Bank of Assumption headquartered?
It is headquartered in Assumption, IL, United States.
Is The First National Bank of Assumption FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3600). 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 Assumption?
The First National Bank of Assumption's primary federal regulator is the OCC.
How many branches does The First National Bank of Assumption operate?
It operates 1 domestic office, 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 Assumption's Texas Ratio?
Its Texas Ratio is 3.33% 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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