The First National Bank of Brownstown: 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: 24.94 percentage points higher than in Q1 2026, at 213.64%. The First National Bank of Brownstown ranks 145th of 323 Illinois banks on return on assets, in the upper half at 1.26% (Q2 2026). The First National Bank of Brownstown reported 1.26% on return on assets for Q2 2026, 0.28 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.84% |
| Tier 1 risk-based capital ratio | 26.84% |
| Total risk-based capital ratio | 28.10% |
| Tier 1 leverage ratio | 11.25% |
| Equity capital to assets | 10.67% |
| Tangible equity to tangible assets | 10.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.93% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 3.97% |
| Allowance for credit losses to loans | 1.99% |
| Reserve coverage of non-performing loans | 213.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 12.48% |
| Net interest margin | 3.96% |
| Efficiency ratio | 56.25% |
| Yield on earning assets | 5.08% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.76% |
| Core deposits to total deposits | 94.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.58% |
| Securities to assets | 48.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.81% | 22.81% | 24.06% | 10.70% | 0.98% |
| Q4 2023 | 22.91% | 22.91% | 24.17% | 10.53% | 0.42% |
| Q1 2024 | 22.38% | 22.38% | 23.64% | 10.44% | 0.76% |
| Q2 2024 | 22.39% | 22.39% | 23.65% | 10.39% | 0.89% |
| Q3 2024 | 22.90% | 22.90% | 24.16% | 10.56% | 0.71% |
| Q4 2024 | 22.91% | 22.91% | 24.17% | 10.33% | 0.48% |
| Q1 2025 | 24.34% | 24.34% | 25.60% | 10.42% | 0.99% |
| Q2 2025 | 25.26% | 25.26% | 26.52% | 10.24% | 0.96% |
| Q3 2025 | 25.42% | 25.42% | 26.68% | 10.73% | 1.09% |
| Q4 2025 | 25.04% | 25.04% | 26.30% | 10.91% | 0.65% |
| Q1 2026 | 26.40% | 26.40% | 27.65% | 11.07% | 1.27% |
| Q2 2026 | 26.84% | 26.84% | 28.10% | 11.25% | 1.26% |
The First National Bank of Brownstown 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 Brownstown, 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 Brownstown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3770) · FFIEC NIC profile (RSSD 207041)