The First National Bank of Litchfield: 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: 314.13 percentage points higher than in Q1 2026, at 1134.96%. The First National Bank of Litchfield ranks 107th of 323 Illinois banks on return on assets, in the upper half at 1.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The First National Bank of Litchfield sits 0.20 points higher, at 1.45% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 16.32% |
| Tier 1 leverage ratio | 11.50% |
| Equity capital to assets | 10.77% |
| Tangible equity to tangible assets | 10.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.81% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 1134.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 13.82% |
| Net interest margin | 3.73% |
| Efficiency ratio | 58.68% |
| Yield on earning assets | 5.63% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.50% |
| Core deposits to total deposits | 87.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.63% |
| Securities to assets | 16.06% |
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 | 15.80% | 15.80% | 17.05% | 11.58% | 0.88% |
| Q4 2023 | 15.17% | 15.17% | 16.42% | 12.03% | 0.85% |
| Q1 2024 | 15.70% | 15.70% | 16.95% | 11.94% | 0.96% |
| Q2 2024 | 15.89% | 15.89% | 17.14% | 12.40% | 0.89% |
| Q3 2024 | 15.94% | 15.94% | 17.19% | 12.56% | 1.00% |
| Q4 2024 | 15.45% | 15.45% | 16.70% | 12.73% | 1.07% |
| Q1 2025 | 15.11% | 15.11% | 16.34% | 12.30% | 1.16% |
| Q2 2025 | 15.26% | 15.26% | 16.50% | 11.80% | 1.28% |
| Q3 2025 | 15.51% | 15.51% | 16.76% | 12.13% | 1.12% |
| Q4 2025 | 14.67% | 14.67% | 15.83% | 12.04% | 1.38% |
| Q1 2026 | 15.12% | 15.12% | 16.33% | 11.59% | 1.28% |
| Q2 2026 | 15.12% | 15.12% | 16.32% | 11.50% | 1.45% |
The First National Bank of Litchfield vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Litchfield, 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 The First National Bank of Litchfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3807) · FFIEC NIC profile (RSSD 370347)