The First National Bank of Litchfield
Also written as FNB of Litchfield
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Litchfield is an FDIC-insured commercial bank headquartered in Litchfield, IL, established in 1860 (FDIC certificate 3807), and it is supervised by the OCC. At Q2 2026 it reported total assets of $150.4M, up 7.5% from Q2 2025, the 227th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 15.12% 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
- 3807
- Headquarters
- Litchfield, IL
- Established
- 1860
- Total assets, Q2 2026
- $150.4M
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 15.12%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081903524
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Litchfield Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- FIRST MONTGOMERY BANCORP, INC.
- Asset rank in state
- 227th of 319 in Illinois
The First National Bank of Litchfield, based in Litchfield, Illinois, reported $150 million in assets at June 30, 2026, up 7.5% from a year earlier. It holds commercial real estate loans equal to only 33% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 23% from a year earlier, to $552,000. The commercial and industrial book ($17 million) is worsening: 1.53% of it is past due or on nonaccrual, up from 0.22% a year earlier.
As of June 30, 2026, The First National Bank of Litchfield reported a CET1 capital ratio of 15.12%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.81%. The figures come from its call report filed with the FFIEC.
The First National Bank of Litchfield ranks as the 227th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $150.4M, loans fell 0.2% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 28.5% of total loans, ahead of 1-4 family residential loans at 22.5%. Its 2 offices in the FDIC Summary of Deposits are in Litchfield, IL. On its Q2 2026 call report, The First National Bank of Litchfield meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 324 N State St, Litchfield, IL 62056
- County
- Montgomery
- 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 051
- Established
- January 1, 1860
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $131.8M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $152.0M
- Average total loans
- $113.1M
- Average interest-bearing deposits
- $118.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3807
- Fed RSSD
- 370347
- Website
- www.fnbl.com →
- Parent Holding Company
- FIRST MONTGOMERY BANCORP, INC. (RSSD 1099346)
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
The First National Bank of Litchfield's total assets moved between a low of $126.2M (Q3 2024) and a high of $151.1M (Q1 2026) from Q3 2023 to Q2 2026, 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
$150.4M total assets against $139.8M; $134.2M total liabilities against $125.0M.
$111.3M net loans and leases against $103.9M; $131.8M total deposits against $122.7M.
$24.1M securities against $21.6M; $10.5M cash and balances due against $10.2M.
$2.1M total interest income against $1.9M; $711K total interest expense against $637K.
$1.4M net interest income against $1.2M.
$92K total noninterest income against $81K; $873K total noninterest expense against $833K.
$21K provision for credit losses against $18K.
$552K net income against $450K.
1.45% return on assets against 1.28%; 3.73% net interest margin against 3.61%.
15.12% CET1 capital ratio against 15.26%; 11.50% tier 1 leverage ratio against 11.80%.
Inside the full The First National Bank of Litchfield terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Litchfield rankings
Its closest position to the top of a national ranking is 1,415 of 3,611, for ROA; its furthest is 3,297 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.00% (Q3 2024) to 1.45% (Q2 2026) and its net interest margin ran from 3.32% (Q3 2024) to 3.73% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.12% | 1.45% | 0.13% | 0.81% | 3.73% |
| Q1 2026 | 15.12% | 1.28% | 0.15% | 1.02% | 3.68% |
| Q4 2025 | 14.67% | 1.38% | 0.16% | 1.03% | 3.73% |
| Q3 2025 | 15.51% | 1.12% | 0.18% | 1.14% | 3.68% |
| Q2 2025 | 15.26% | 1.28% | 0.14% | 0.89% | 3.61% |
| Q1 2025 | 15.11% | 1.16% | 0.07% | 0.50% | 3.58% |
| Q4 2024 | 15.45% | 1.07% | 0.08% | 0.55% | 3.46% |
| Q3 2024 | 15.94% | 1.00% | 0.11% | 0.68% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Litchfield | Litchfield , IL | 62056 | $131.8M |
| Drive-In Facility | Litchfield , IL | 62056 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 265 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.9M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 Litchfield
What are The First National Bank of Litchfield's total assets?
As of the Q2 2026 filing, The First National Bank of Litchfield reported total assets of $150.4 million in its FFIEC call report.
Where is The First National Bank of Litchfield headquartered?
It is headquartered in Litchfield, IL, United States.
When was The First National Bank of Litchfield founded?
It was established in 1860, per the FDIC institution directory.
Is The First National Bank of Litchfield FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3807). 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 Litchfield?
The First National Bank of Litchfield's primary federal regulator is the OCC.
What is The First National Bank of Litchfield's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.12% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Litchfield operate?
It operates 2 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 Litchfield's Texas Ratio?
Its Texas Ratio is 0.81% 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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