The First National Bank of Carmi
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Carmi is an FDIC-insured commercial bank headquartered in Carmi, IL, established in 1893 (FDIC certificate 3777), and it is supervised by the OCC. At Q2 2026 it reported total assets of $622.2M, up 4.7% from Q2 2025, the 86th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.42% 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
- 3777
- Headquarters
- Carmi, IL
- Established
- 1893
- Total assets, Q2 2026
- $622.2M
- Assets vs Q2 2025
- +4.7%
- Tier 1 leverage ratio, Q2 2026
- 11.42%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 081205222
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Carmi call report
- Holding company
- SOUTHERN ILLINOIS BANCORP, INC.
- Asset rank in state
- 86th of 319 in Illinois
The First National Bank of Carmi, based in Carmi, Illinois, reported $622 million in assets at June 30, 2026, up 4.7% from a year earlier. It shrank its loan book 5.1% over the year, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 5.1% and deposits rose 4.7%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.35% of loans from 0.79%. One more trend to watch: the commercial and industrial book ($86 million) is worsening: 1.24% of it is past due or on nonaccrual, up from 0.36% a year earlier.
As of June 30, 2026, The First National Bank of Carmi reported a return on assets of 1.25%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 2.08%. The figures come from its call report filed with the FFIEC.
The First National Bank of Carmi ranks as the 86th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.6% to $622.2M, loans rose 3.2% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 22.9% of total loans, ahead of commercial and industrial loans at 20.0%. Its 12 offices in the FDIC Summary of Deposits are in 10 cities across 2 states; its Carmi 2 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Carmi meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 E Main St, Carmi, IL 62821
- County
- White
- 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 041
- Established
- December 20, 1893
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 102
- Domestic deposits
- $545.5M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- -$318K
- Average total assets
- $618.3M
- Average total loans
- $422.6M
- Average interest-bearing deposits
- $391.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3777
- Fed RSSD
- 209148
- SEC CIK
- 1178527 → filed by SOUTHERN ILLINOIS BANCORP, INC.
- Website
- www.myfirst.bank →
- Parent Holding Company
- SOUTHERN ILLINOIS BANCORP, INC. (RSSD 1098929)
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 Carmi reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Carmi's total assets ran between $589.7M (Q4 2024) and $640.9M (Q4 2023), 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
$622.2M total assets against $594.3M; $547.7M total liabilities against $524.3M.
$422.6M net loans and leases against $445.1M; $545.5M total deposits against $521.0M.
$84.8M securities against $69.3M; $80.5M cash and balances due against $45.7M.
$8.6M total interest income against $8.2M; $2.2M total interest expense against $2.1M.
$6.4M net interest income against $6.1M.
$734K total noninterest income against $1.1M; $4.6M total noninterest expense against $4.5M.
$0 provision for credit losses against $550K.
$1.9M net income against $1.7M.
1.25% return on assets against 1.09%; 4.36% net interest margin against 4.21%.
11.42% tier 1 leverage ratio against 11.00%.
Inside the full The First National Bank of Carmi terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Carmi rankings
Its closest position to the top of a national ranking is 1,507 of 4,196, for total assets; its furthest is 2,233 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q4 2024) to 1.30% (Q4 2025) and its net interest margin ran from 4.08% (Q1 2025) to 4.39% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.42% | 1.25% | 0.35% | 2.08% | 4.36% |
| Q1 2026 | 11.29% | 1.15% | 0.49% | 2.93% | 4.21% |
| Q4 2025 | 11.33% | 1.30% | 0.54% | 3.43% | 4.39% |
| Q3 2025 | 11.33% | 1.23% | 0.57% | 3.71% | 4.35% |
| Q2 2025 | 11.00% | 1.09% | 0.79% | 5.27% | 4.21% |
| Q1 2025 | 10.80% | 1.08% | 0.38% | 2.53% | 4.08% |
| Q4 2024 | 10.93% | 1.07% | 0.00% | 0.00% | 4.31% |
| Q3 2024 | 10.74% | 1.23% | 0.26% | 1.79% | 4.26% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 Carmi | Carmi , IL | 62821 | $192.5M |
| Mount Carmel Branch | Mount Carmel , IL | 62863 | $62.5M |
| Mount Vernon Branch | Mount Vernon , IN | 47620 | $54.0M |
| Evansville, Indiana Branch | Evansville , IN | 47715 | $47.0M |
| Poseyville Branch | Poseyville , IN | 47633 | $42.5M |
| Red Bank Road Evansville in Branch | Evansville , IN | 47712 | $33.1M |
| Haubstadt Branch | Haubstadt , IN | 47639 | $30.1M |
| Princeton Branch | Princeton , IN | 47670 | $29.8M |
| Grayville Branch | Grayville , IL | 62844 | $23.8M |
| Lawrenceville Branch | Lawrenceville , IL | 62439 | $21.5M |
| Hart Street Branch | Vincennes , IN | 47591 | $8.7M |
| West Carmi Branch | Carmi , IL | 62821 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2020 | Structure Change | Acquired Heritage State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1996 | Structure Change | Acquired The First National Bank of Enfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 161 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $982K approved, $491K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Carmi
What are The First National Bank of Carmi's total assets?
As of the Q2 2026 filing, The First National Bank of Carmi reported total assets of $622.2 million in its FFIEC call report.
Where is The First National Bank of Carmi headquartered?
It is headquartered in Carmi, IL, United States.
When was The First National Bank of Carmi founded?
It was established in 1893, per the FDIC institution directory.
Is The First National Bank of Carmi FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3777). 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 Carmi?
The First National Bank of Carmi's primary federal regulator is the OCC.
How many branches does The First National Bank of Carmi operate?
It operates 12 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 Carmi's Texas Ratio?
Its Texas Ratio is 2.08% 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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