Bank call report · Carmi, IL
The First National Bank of Carmi Call Report
BankRegReports is independent of The First National Bank of Carmi and never asks for online banking logins or passwords.
The First National Bank of Carmi filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 301 reported line items, schedule by schedule (590 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 209148 |
| FDIC certificate number | 3777 |
| Total assets | $622.2M |
Official Q2 2026 call report PDF (FFIEC) →
The First National Bank of Carmi call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · The First National Bank of Carmi balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $622.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $622.2M |
| Total Liabilities and Minority Interest | RCON2948 | $547.7M |
| Total Deposits | RCON2200 | $545.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $427.6M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $421.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $402.4M |
| Deposits: Noninterest-bearing | RCON6631 | $143.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $84.8M |
| Interest-bearing Balances | RCON0071 | $75.9M |
| Total Equity Capital | RCON3210 | $74.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $74.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $43.7M |
| Surplus | RCON3839 | $34.7M |
| Other Assets | RCON2160 | $12.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $11.8M |
| Intangible Assets | RCON2143 | $9.8M |
| Goodwill | RCON3163 | $8.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $5.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.1M |
| Other Liabilities, Total | RCON2930 | $2.1M |
| Loans and Leases Held for Sale | RCON5369 | $833K |
| Common Stock | RCON3230 | $200K |
| Federal Funds Sold | RCONB987 | $50K |
Schedule RI: Income Statement (40 items)
About Schedule RI · The First National Bank of Carmi income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $16.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $14.2M |
| Net Interest Income | RIAD4074 | $12.6M |
| Total Noninterest Expense | RIAD4093 | $9.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $8.1M |
| Salaries and Employee Benefits | RIAD4135 | $5.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.9M |
| Total Interest Expense | RIAD4073 | $4.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.7M |
| Net Income (Loss) | RIAD4340 | $3.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.7M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.3M |
| Other Noninterest Expense | RIAD4092 | $2.8M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.1M |
| Total Noninterest Income | RIAD4079 | $1.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.4M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.4M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.3M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.3M |
| Applicable Income Taxes | RIAD4302 | $1.2M |
| Other Noninterest Income | RIADB497 | $1.2M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.1M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $787K |
| Interest on Other Securities | RIAD4060 | $581K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $395K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $279K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $231K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $219K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $182K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $114K |
| Net Servicing Fees | RIADB492 | $105K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $86K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$52K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $19K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$17K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $14K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $5K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 102 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $80.5M |
| Balances Due from Federal Reserve Banks | RCON0090 | $74.3M |
| Currency and Coin | RCON0080 | $4.6M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $1.6M |
Schedule RC-B: Securities (29 items)
About Schedule RC-B · The First National Bank of Carmi securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $2.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $2.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $29.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $25.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $963K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $832K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $90.3M |
| Pledged Securities | RCON0416 | $21.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $17.9M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $17.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $16.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $16.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $14.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $13.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $13.2M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $13.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $12.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $12.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $11.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $8.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $8.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $7.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $7.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $5.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $5.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $510K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $322K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $222K |
Schedule RC-C, Part I: Loans and Leases (40 items)
About Schedule RC-C, Part I · The First National Bank of Carmi loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $428.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $138.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $123.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $98.2M |
| Commercial and Industrial Loans | RCON1766 | $85.9M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $85.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $70.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $68.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $67.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $40.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $34.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $32.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $31.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $30.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $28.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $24.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $18.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $11.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $9.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $7.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $5.9M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $4.1M |
| Other Loans | RCONJ464 | $4.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $2.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $2.5M |
| Itemize Loans Secured by Farmland That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK166 | $2.5M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.0M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $1.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $636K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $577K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $458K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $378K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $229K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $131K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $131K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $120K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $117K |
| Itemize Loans to Finance Agricultural Production and Other Loans to Farmers That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK168 | $33K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $6K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $46.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $32.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $13.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $8.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $7.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $7.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $5.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $3.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $3.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.5M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 185 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 119 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 100 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 86 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 60 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 56 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 51 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 48 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 47 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 37 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 34 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 16 |
Schedule RC-E: Deposit Liabilities (25 items)
About Schedule RC-E · The First National Bank of Carmi deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $280.5M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $265.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $260.4M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $214.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $194.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $149.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $66.2M |
| Total reciprocal deposits | RCONJH83 | $59.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $52.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $41.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $33.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $31.9M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $31.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $30.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $23.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $11.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $9.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $9.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $7.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $5.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $4.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $4.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $3.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $2.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.4M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Accrued Interest Receivable | RCONB556 | $4.6M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $4.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.7M |
| Other Assets | RCON2168 | $1.4M |
| Prepaid Expenses | RCON2166 | $1.3M |
| Net Deferred Tax Assets | RCON2148 | $1.1M |
Schedule RC-G: Other Liabilities (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.0M |
| Operating lease liabilities | RCONLB56 | $798K |
| Other Expenses Accrued and Unpaid | RCON3646 | $499K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $483K |
| Deferred Compensation Liabilities | RCONC011 | $227K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $108K |
| Net Deferred Tax Liabilities | RCON3049 | $24K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · The First National Bank of Carmi quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $618.3M |
| Quarterly Average of Total Loans | RCON3360 | $422.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $253.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $190.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $137.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $85.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $84.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $51.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $41.7M |
| Mortgage-backed Securities | RCONB559 | $37.3M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $28.4M |
| All Other Securities | RCONB560 | $24.9M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $22.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $11.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.2M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $50K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · The First National Bank of Carmi derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $68.3M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $11.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $4.8M |
| Commercial and Similar Letters of Credit | RCON3411 | $1.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.4M |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · The First National Bank of Carmi memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $5.7M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $771K |
| Mortgage Servicing Assets | RCON3164 | $771K |
| All other intangible assets | RCONJF76 | $87K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)
About Schedule RC-N · The First National Bank of Carmi past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $5.0M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $4.1M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.5M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.1M |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $1.0M |
| Additions to Nonaccrual Assets | RCONC410 | $614K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $391K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $382K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $230K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $124K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $107K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $43K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $36K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · The First National Bank of Carmi other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $618.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $546.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $300.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $240.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $69.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.8M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 18,648 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 340 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 210 |
| Averaging Method Used | RCONK653 | 2 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · The First National Bank of Carmi regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $622.2M |
| Average total consolidated assets | RCOAKW03 | $618.3M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $609.3M |
| Unconditionally Cancellable Commitments | RCOAS540 | $80.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $74.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $69.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $69.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $69.6M |
| Retained Earnings | RCOAKW00 | $43.7M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $34.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $9.0M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $8.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.1M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $1.8M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $1.8M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $87K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1142 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0029 |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $86.6M |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $74.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $73.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $73.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.8M |
| Other Comprehensive Income | RIADB511 | -$520K |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | -$29K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · The First National Bank of Carmi charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $318K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $228K |
| Recoveries on All Other Loans | RIAD4628 | $67K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $67K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $20K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · The First National Bank of Carmi changes in allowances for credit losses trends
Schedule RI-E: Explanations (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $662K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $591K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $311K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $290K |
| Accounting and Auditing Expenses | RIADF556 | $242K |
| Marketing and Other Professional Services | RIAD0497 | $166K |
| Directors' Fees | RIAD4136 | $140K |
| Telecommunications Expense | RIADF559 | $120K |
| Legal Expense | RIAD4141 | $88K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $71K |
| Printing, Stationery, and Supplies | RIADC018 | $71K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $49K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $39K |
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | -$29K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $23K |
| Safe Deposit Box Rent | RIADC015 | $12K |
The First National Bank of Carmi call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The First National Bank of Carmi call report?
The The First National Bank of Carmi call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The First National Bank of Carmi file?
The First National Bank of Carmi files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The First National Bank of Carmi call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The First National Bank of Carmi has Federal Reserve RSSD ID 209148 and FDIC certificate number 3777. Either one finds its filings on the FFIEC Central Data Repository.
How often does The First National Bank of Carmi file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The First National Bank of Carmi financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 3777) · FFIEC NIC profile (RSSD 209148)