First National Bank of Nokomis
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Nokomis is an FDIC-insured commercial bank headquartered in Nokomis, IL, established in 1940 (FDIC certificate 15763), and it is supervised by the OCC. At Q2 2026 it reported total assets of $181.9M, up 2.0% from Q2 2025, the 211th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 18.34% 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
- 15763
- Headquarters
- Nokomis, IL
- Established
- 1940
- Total assets, Q2 2026
- $181.9M
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 18.34%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081921551
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Nokomis call report
- Holding company
- FIRST NOKOMIS BANCORP, INC.
- Asset rank in state
- 211th of 319 in Illinois
Problem loans are rising at First National Bank of Nokomis. Its balance sheet stood at $182 million at June 30, 2026, up 2.0% from a year earlier; it is based in Nokomis, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.96% of loans from 0.43% a year earlier. It pays an average of 0.87% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 21% of its capital, a small fraction of the median of 1.2 times for banks its size.
Its $9.9 million commercial and industrial book is improving, with 7.19% past due or on nonaccrual, down from 18.67% a year earlier. Net income for the quarter rose 16% from a year earlier, to $675,000.
As of June 30, 2026, First National Bank of Nokomis reported a CET1 capital ratio of 18.34%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 4.85%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of Nokomis is the 211th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 0.5% to $181.9M, loans rose 1.4% and deposits fell 1.0%. Farmland and other real estate loans made up 33.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 26.4%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IL; its Nokomis office books 56% of its branch deposits. On its Q2 2026 call report, First National Bank of Nokomis meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 122 W State St, Nokomis, IL 62075
- 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
- September 3, 1940
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $160.6M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $185.1M
- Average total loans
- $94.8M
- Average interest-bearing deposits
- $114.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 3, 1940
- FDIC Cert
- 15763
- Fed RSSD
- 330248
- Website
- https://www.fnbnokomis.com →
- Parent Holding Company
- FIRST NOKOMIS BANCORP, INC. (RSSD 1248809)
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
First National Bank of Nokomis's total assets moved between a low of $174.3M (Q1 2024) and a high of $183.2M (Q1 2025) 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
$181.9M total assets against $178.2M; $162.8M total liabilities against $160.8M.
$93.8M net loans and leases against $96.3M; $160.6M total deposits against $159.0M.
$60.4M securities against $64.9M; $17.9M cash and balances due against $8.8M.
$2.2M total interest income against $2.1M; $355K total interest expense against $383K.
$1.8M net interest income against $1.7M.
$265K total noninterest income against $208K; $1.4M total noninterest expense against $1.3M.
$32K provision for credit losses against $0.
$675K net income against $584K.
1.46% return on assets against 1.26%; 4.18% net interest margin against 3.81%.
18.34% CET1 capital ratio against 18.39%; 10.89% tier 1 leverage ratio against 10.85%.
Inside the full First National Bank of Nokomis terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Nokomis rankings
Its closest position to the top of a national ranking is 444 of 2,134, for CET1 ratio; its furthest is 3,092 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q3 2025) to 1.46% (Q2 2026) and its net interest margin ran from 3.57% (Q3 2024) to 4.18% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.34% | 1.46% | 0.96% | 4.85% | 4.18% |
| Q1 2026 | 17.67% | 1.16% | 1.20% | 6.26% | 4.05% |
| Q4 2025 | 17.39% | 0.78% | 1.22% | 6.64% | 4.04% |
| Q3 2025 | 18.82% | 0.69% | 0.48% | 2.48% | 4.04% |
| Q2 2025 | 18.39% | 1.26% | 0.43% | 2.47% | 3.81% |
| Q1 2025 | 17.81% | 1.16% | 0.28% | 1.55% | 3.67% |
| Q4 2024 | 17.64% | 1.06% | 0.18% | 1.12% | 3.70% |
| Q3 2024 | 18.12% | 1.13% | 0.12% | 0.67% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| First National Bank of Nokomis (main office) | Nokomis , IL | 62075 | $89.8M |
| Ayars Moweaqua Branch | Moweaqua , IL | 62550 | $31.9M |
| Arthur Branch | Arthur , IL | 61911 | $22.1M |
| Stonington Branch | Stonington , IL | 62567 | $16.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2000 | Structure Change | Acquired Ayars State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 247 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $110K approved, $110K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 First National Bank of Nokomis
What are First National Bank of Nokomis's total assets?
As of the Q2 2026 filing, First National Bank of Nokomis reported total assets of $181.9 million in its FFIEC call report.
Where is First National Bank of Nokomis headquartered?
It is headquartered in Nokomis, IL, United States.
When was First National Bank of Nokomis founded?
It was established in 1940, per the FDIC institution directory.
Is First National Bank of Nokomis FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15763). 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 Nokomis?
First National Bank of Nokomis's primary federal regulator is the OCC.
What is First National Bank of Nokomis's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.34% 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 Nokomis operate?
It operates 4 domestic offices, 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 Nokomis's Texas Ratio?
Its Texas Ratio is 4.85% 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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