First National Bank of Lacon: 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: 428.82 percentage points lower than in Q1 2026, at 530.00%. First National Bank of Lacon ranks 91st of 323 Illinois banks on return on assets, in the upper half at 1.54% (Q2 2026). First National Bank of Lacon reported 1.54% on return on assets for Q2 2026, 0.28 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.01% |
| Tier 1 risk-based capital ratio | 16.01% |
| Total risk-based capital ratio | 16.68% |
| Tier 1 leverage ratio | 11.78% |
| Equity capital to assets | 10.46% |
| Tangible equity to tangible assets | 10.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 0.79% |
| Allowance for credit losses to loans | 0.72% |
| Reserve coverage of non-performing loans | 530.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 16.16% |
| Net interest margin | 4.08% |
| Efficiency ratio | 61.42% |
| Yield on earning assets | 5.03% |
| Cost of funds | 1.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.65% |
| Core deposits to total deposits | 96.12% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.32% |
| Securities to assets | 15.15% |
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 | 13.01% | 13.01% | 13.79% | 8.16% | 1.16% |
| Q4 2023 | 13.15% | 13.15% | 13.93% | 8.22% | 0.76% |
| Q1 2024 | 12.20% | 12.20% | 12.91% | 8.15% | 0.96% |
| Q2 2024 | 11.99% | 11.99% | 12.65% | 8.36% | 0.93% |
| Q3 2024 | 12.29% | 12.29% | 12.93% | 7.95% | 1.18% |
| Q4 2024 | 12.26% | 12.26% | 12.90% | 8.54% | 1.19% |
| Q1 2025 | 12.23% | 12.23% | 12.84% | 8.41% | 0.85% |
| Q2 2025 | 11.32% | 11.32% | 11.92% | 8.31% | 1.25% |
| Q3 2025 | 11.24% | 11.24% | 11.89% | 8.22% | 0.79% |
| Q4 2025 | 12.02% | 12.02% | 12.72% | 8.72% | 1.17% |
| Q1 2026 | 11.60% | 11.60% | 12.29% | 8.71% | 0.86% |
| Q2 2026 | 16.01% | 16.01% | 16.68% | 11.78% | 1.54% |
First National Bank of Lacon vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Lacon, 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 First National Bank of Lacon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3688) · FFIEC NIC profile (RSSD 824738)