The First National Bank of Assumption: 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: 2.98 percentage points higher than in Q1 2026, at 119.23%. Within Illinois, The First National Bank of Assumption is 154th of 323 on return on assets, 1.23% as of Q2 2026, above the middle of the field. The First National Bank of Assumption reported 1.23% on return on assets for Q2 2026, 0.25 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.14% |
| Equity capital to assets | 9.55% |
| Tangible equity to tangible assets | 9.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.17% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.33% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 119.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 12.67% |
| Net interest margin | 3.67% |
| Efficiency ratio | 57.75% |
| Yield on earning assets | 4.24% |
| Cost of funds | 0.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 29.41% |
| Core deposits to total deposits | 96.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.29% |
| Securities to assets | 25.17% |
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 | 10.37% | 1.38% | 3.49% | 0.46% | 0.00% |
| Q4 2023 | 10.17% | 0.10% | 3.41% | 0.45% | 0.48% |
| Q1 2024 | 10.59% | 0.95% | 3.23% | 0.43% | 0.00% |
| Q2 2024 | 11.06% | 0.90% | 3.22% | 0.42% | 0.29% |
| Q3 2024 | 11.27% | 0.83% | 3.27% | 0.34% | -0.19% |
| Q4 2024 | 11.26% | 0.16% | 3.43% | 1.47% | 0.06% |
| Q1 2025 | 10.25% | 0.69% | 3.15% | 1.45% | 0.00% |
| Q2 2025 | 10.73% | 1.10% | 3.61% | 1.34% | 0.00% |
| Q3 2025 | 10.12% | 0.94% | 3.42% | 1.30% | 0.19% |
| Q4 2025 | 11.21% | 0.61% | 3.57% | 1.23% | 0.60% |
| Q1 2026 | 11.06% | 0.89% | 3.35% | 1.22% | -0.13% |
| Q2 2026 | 11.14% | 1.23% | 3.67% | 1.17% | 0.00% |
The First National Bank of Assumption 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 Assumption, 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 Assumption profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3600) · FFIEC NIC profile (RSSD 604033)