The First National Bank of Brownstown
Also written as FNB of Brownstown
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Brownstown is an FDIC-insured commercial bank headquartered in Brownstown, IL, established in 1913 (FDIC certificate 3770), and it is supervised by the OCC. At Q2 2026 it reported total assets of $57.4M, down 10.8% from Q2 2025, the 288th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 26.84% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3770
- Headquarters
- Brownstown, IL
- Established
- 1913
- Total assets, Q2 2026
- $57.4M
- Assets vs Q2 2025
- -10.8%
- CET1 ratio, Q2 2026
- 26.84%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081211928
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Brownstown Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- FIRST BROWNSTOWN BANCORP, INC
- Asset rank in state
- 288th of 319 in Illinois
The First National Bank of Brownstown, based in Brownstown, Illinois, reported $57 million in assets at June 30, 2026, down 10.8% from a year earlier. It lost 13.7% of its deposits over the year, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 2.5%). It also spends about 56 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 69 cents).
Loans and deposits moved in opposite directions: over the year loans rose 6.1% and deposits fell 13.7%. The commercial and industrial book ($2.2 million) is worsening: 3.08% of it is past due or on nonaccrual, up from 0.44% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.22% of loans from 1.09% a year earlier.
As of June 30, 2026, The First National Bank of Brownstown reported a CET1 capital ratio of 26.84%, a return on assets of 1.26%, a nonperforming-loan ratio of 1.22% and a Texas ratio of 3.97%. The figures come from its call report filed with the FFIEC.
The First National Bank of Brownstown ranks as the 288th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.9% to $57.4M, loans rose 2.4% and deposits fell 2.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.7% of total loans, ahead of farmland and other real estate loans at 28.3%. The FDIC Summary of Deposits lists a single office for it, in Brownstown, IL. Judged on its Q2 2026 call report, The First National Bank of Brownstown meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 108 E Main St, Brownstown, IL 62418
- County
- Fayette
- 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
- June 1, 1913
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $50.9M
- Allowance for credit losses
- $423K
- Net charge-offs (YTD)
- $30K
- Average total assets
- $59.1M
- Average total loans
- $20.9M
- Average interest-bearing deposits
- $43.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3770
- Fed RSSD
- 207041
- Website
- www.fnbbrownstown.com →
- Parent Holding Company
- FIRST BROWNSTOWN BANCORP, INC (RSSD 2199083)
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. 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 Brownstown's total assets moved between a low of $51.8M (Q3 2023) and a high of $64.4M (Q2 2025) 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
$57.4M total assets against $64.4M; $51.3M total liabilities against $59.2M.
$20.8M net loans and leases against $19.6M; $50.9M total deposits against $58.9M.
$28.1M securities against $34.0M; $7.2M cash and balances due against $9.2M.
$687K total interest income against $657K; $157K total interest expense against $186K.
$530K net interest income against $471K.
$45K total noninterest income against $41K; $339K total noninterest expense against $305K.
$3K provision for credit losses against $43K.
$186K net income against $143K.
1.26% return on assets against 0.96%; 3.96% net interest margin against 3.45%.
26.84% CET1 capital ratio against 25.26%; 11.25% tier 1 leverage ratio against 10.24%.
Inside the full The First National Bank of Brownstown 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 0.48% (Q4 2024) to 1.27% (Q1 2026) and its net interest margin ran from 3.07% (Q4 2024) to 3.96% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.84% | 1.26% | 1.22% | 3.97% | 3.96% |
| Q1 2026 | 26.40% | 1.27% | 1.32% | 4.40% | 3.73% |
| Q4 2025 | 25.04% | 0.65% | 1.29% | 4.36% | 3.81% |
| Q3 2025 | 25.42% | 1.09% | 1.05% | 3.57% | 3.68% |
| Q2 2025 | 25.26% | 0.96% | 1.09% | 3.95% | 3.45% |
| Q1 2025 | 24.34% | 0.99% | 1.13% | 4.30% | 3.29% |
| Q4 2024 | 22.91% | 0.48% | 1.86% | 7.70% | 3.07% |
| Q3 2024 | 22.90% | 0.71% | 1.96% | 7.46% | 3.22% |
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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 Brownstown | Brownstown , IL | 62418 | $50.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 341 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $170K approved, $170K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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 Brownstown
What are The First National Bank of Brownstown's total assets?
As of the Q2 2026 filing, The First National Bank of Brownstown reported total assets of $57.4 million in its FFIEC call report.
Where is The First National Bank of Brownstown headquartered?
It is headquartered in Brownstown, IL, United States.
When was The First National Bank of Brownstown founded?
It was established in 1913, per the FDIC institution directory.
Is The First National Bank of Brownstown FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3770). 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 Brownstown?
The First National Bank of Brownstown's primary federal regulator is the OCC.
What is The First National Bank of Brownstown's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.84% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Brownstown 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 Brownstown's Texas Ratio?
Its Texas Ratio is 3.97% 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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