First National Bank of Lacon
Also written as FNB of Lacon
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Lacon is an FDIC-insured commercial bank headquartered in Lacon, IL, established in 1864 (FDIC certificate 3688), and it is supervised by the OCC. At Q2 2026 it reported total assets of $103.7M, down 2.9% from Q2 2025, the 261st largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 16.01% 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
- 3688
- Headquarters
- Lacon, IL
- Established
- 1864
- Total assets, Q2 2026
- $103.7M
- Assets vs Q2 2025
- -2.9%
- CET1 ratio, Q2 2026
- 16.01%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071113984
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Lacon Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- FIRST LACON CORP.
- Asset rank in state
- 261st of 319 in Illinois
First National Bank of Lacon, based in Lacon, Illinois, reported $104 million in assets at June 30, 2026, down 2.9% from a year earlier. It pays an average of 1.02% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans equal to only 14% of its capital, a small fraction of the median of 1.2 times for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.14% of loans from 1.72%. Loans and deposits moved in opposite directions: over the year loans rose 2.6% and deposits fell 6.5%. One more trend to watch: the commercial and industrial book ($10 million) is worsening: 2.90% of it is past due or on nonaccrual, up from 0.97% a year earlier.
As of June 30, 2026, First National Bank of Lacon reported a CET1 capital ratio of 16.01%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.79%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of Lacon is the 261st largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 11.4% to $103.7M, loans fell 2.6% and deposits rose 8.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 38.8% of total loans, followed by agricultural production loans at 17.5%. Its one office in the FDIC Summary of Deposits is in Lacon, IL. On its Q2 2026 call report, First National Bank of Lacon meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 S Broad St, Lacon, IL 61540
- County
- Marshall
- Metro Area
- Peoria, IL
- 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 11, 1864
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $92.7M
- Allowance for credit losses
- $477K
- Net charge-offs (YTD)
- $21K
- Average total assets
- $97.2M
- Average total loans
- $67.6M
- Average interest-bearing deposits
- $70.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3688
- Fed RSSD
- 824738
- Website
- http://www.fnblacon.com →
- Parent Holding Company
- FIRST LACON CORP. (RSSD 1208988)
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
From Q3 2023 to Q2 2026, First National Bank of Lacon's total assets ranged from $81.4M (Q4 2023) to $106.8M (Q2 2025), 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
$103.7M total assets against $106.8M; $92.9M total liabilities against $99.4M.
$65.9M net loans and leases against $64.3M; $92.7M total deposits against $99.2M.
$15.7M securities against $17.2M; $20.3M cash and balances due against $23.3M.
$1.2M total interest income against $1.2M; $221K total interest expense against $266K.
$955K net interest income against $893K.
$14K total noninterest income against $13K; $596K total noninterest expense against $554K.
$0 provision for credit losses against $45K.
$373K net income against $307K.
1.54% return on assets against 1.25%; 4.08% net interest margin against 3.74%.
16.01% CET1 capital ratio against 11.32%; 11.78% tier 1 leverage ratio against 8.31%.
Inside the full First National Bank of Lacon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Lacon rankings
Its closest position to the top of a national ranking is 708 of 2,134, for CET1 ratio; its furthest is 3,641 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q3 2025) to 1.54% (Q2 2026) and its net interest margin ran from 3.66% (Q1 2025) to 4.08% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.01% | 1.54% | 0.14% | 0.79% | 4.08% |
| Q1 2026 | 11.60% | 0.86% | 0.07% | 0.63% | 4.00% |
| Q4 2025 | 12.02% | 1.17% | 0.00% | 0.00% | 4.01% |
| Q3 2025 | 11.24% | 0.79% | 1.56% | 12.98% | 3.92% |
| Q2 2025 | 11.32% | 1.25% | 1.72% | 14.21% | 3.74% |
| Q1 2025 | 12.23% | 0.85% | 0.56% | 4.58% | 3.66% |
| Q4 2024 | 12.26% | 1.19% | 0.56% | 4.55% | 3.79% |
| Q3 2024 | 12.29% | 1.18% | 0.66% | 5.25% | 3.80% |
Swipe the table sideways to see every column.
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 Lacon | Lacon , IL | 61540 | $92.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 13, 2016, OCC: Formal Agreement: The First National Bank of Lacon
- Period: Most recent institution action September 13, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 302 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 First National Bank of Lacon
What are First National Bank of Lacon's total assets?
As of the Q2 2026 filing, First National Bank of Lacon reported total assets of $103.7 million in its FFIEC call report.
Where is First National Bank of Lacon headquartered?
It is headquartered in Lacon, IL, United States.
When was First National Bank of Lacon founded?
It was established in 1864, per the FDIC institution directory.
Is First National Bank of Lacon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3688). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Lacon?
First National Bank of Lacon's primary federal regulator is the OCC.
What is First National Bank of Lacon's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of Lacon 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 First National Bank of Lacon's Texas Ratio?
Its Texas Ratio is 0.79% 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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