First National Bank of Nokomis: 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: 86.62 percentage points lower than in Q1 2026, at 25.71%. First National Bank of Nokomis ranks 105th of 323 Illinois banks on return on assets, in the upper half at 1.46% (Q2 2026). First National Bank of Nokomis reported 1.46% on return on assets for Q2 2026, 0.20 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.34% |
| Tier 1 risk-based capital ratio | 18.34% |
| Total risk-based capital ratio | 19.54% |
| Tier 1 leverage ratio | 10.89% |
| Equity capital to assets | 10.48% |
| Tangible equity to tangible assets | 9.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.25% |
| Non-performing assets ratio | 2.74% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 26.59% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 25.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.46% |
| Return on equity | 14.44% |
| Net interest margin | 4.18% |
| Efficiency ratio | 64.83% |
| Yield on earning assets | 4.99% |
| Cost of funds | 0.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.20% |
| Core deposits to total deposits | 95.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.30% |
| Securities to assets | 33.19% |
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 | 18.40% | 18.40% | 19.47% | 10.45% | 1.33% |
| Q4 2023 | 18.02% | 18.02% | 19.11% | 10.52% | 1.35% |
| Q1 2024 | 18.67% | 18.67% | 19.84% | 10.87% | 0.96% |
| Q2 2024 | 17.95% | 17.95% | 19.11% | 10.94% | 0.80% |
| Q3 2024 | 18.12% | 18.12% | 19.26% | 10.98% | 1.13% |
| Q4 2024 | 17.64% | 17.64% | 18.81% | 10.59% | 1.06% |
| Q1 2025 | 17.81% | 17.81% | 18.97% | 10.61% | 1.16% |
| Q2 2025 | 18.39% | 18.39% | 19.56% | 10.85% | 1.26% |
| Q3 2025 | 18.82% | 18.82% | 20.02% | 11.26% | 0.69% |
| Q4 2025 | 17.39% | 17.39% | 18.57% | 10.79% | 0.78% |
| Q1 2026 | 17.67% | 17.67% | 18.84% | 10.84% | 1.16% |
| Q2 2026 | 18.34% | 18.34% | 19.54% | 10.89% | 1.46% |
First National Bank of Nokomis vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Nokomis, 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 Nokomis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15763) · FFIEC NIC profile (RSSD 330248)