The First National Bank of Okawville
Also written as FNB of Okawville
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Okawville is an FDIC-insured commercial bank headquartered in Okawville, IL, supervised by the OCC, with $66.3M in total assets at Q2 2026, up 3.3% from Q2 2025, the 283rd largest of 319 banks headquartered in Illinois. It was established in 1920 and holds FDIC certificate 3826. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.55% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3826
- Headquarters
- Okawville, IL
- Established
- 1920
- Total assets, Q2 2026
- $66.3M
- Assets vs Q2 2025
- +3.3%
- Tier 1 leverage ratio, Q2 2026
- 12.55%
- Domestic offices
- 1 · The First National Bank of Okawville branches FDIC institution directory, current count
- Routing number
- 081918182
- Safety and soundness
- Is The First National Bank of Okawville safe?
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Okawville Q3 2026 call report, filed October 23, 2026 (preliminary)
- Asset rank in state
- 283rd of 319 in Illinois
The First National Bank of Okawville, based in Okawville, Illinois, reported $66 million in assets at June 30, 2026, up 3.3% from a year earlier. It keeps 3.15 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 533 banks with less than $100 million in assets (median 3.91 cents). On the other hand, it pays an average of 0.93% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.53%).
Earnings jumped: net income for the quarter was $97,000, 177% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.7 million equal 32% of Tier 1 capital, down from 39% a year earlier.
As of June 30, 2026, The First National Bank of Okawville reported a return on assets of 0.58%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.32%. The figures come from its call report filed with the FFIEC.
The First National Bank of Okawville ranks as the 283rd largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 7.2% to $66.3M, loans fell 7.8% and deposits fell 7.9%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 32.1% of total loans, followed by agricultural production loans at 22.0%. The FDIC Summary of Deposits lists a single office for it, in Okawville, IL. By the capital ratios in its Q2 2026 call report, The First National Bank of Okawville meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 203 E Walnut St, Okawville, IL 62271
- County
- Washington
- 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 041
- Established
- June 26, 1920
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $58.7M
- Allowance for credit losses
- $176K
- Net charge-offs (YTD)
- $0
- Average total assets
- $66.4M
- Average total loans
- $22.0M
- Average interest-bearing deposits
- $39.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3826
- Fed RSSD
- 333940
- Website
- www.fnbokaw.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The First National Bank of Okawville reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Okawville's total assets ranged from $64.2M (Q2 2025) to $77.2M (Q4 2023), 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
$66.3M total assets against $64.2M; $59.0M total liabilities against $57.1M.
$20.9M net loans and leases against $20.8M; $58.7M total deposits against $56.9M.
$38.5M securities against $35.7M; $5.3M cash and balances due against $6.1M.
$616K total interest income against $580K; $138K total interest expense against $125K.
$478K net interest income against $455K.
$17K total noninterest income against $14K; $398K total noninterest expense against $434K.
No provision recorded in the last 12 quarters.
$97K net income against $35K.
0.58% return on assets against 0.22%; 3.15% net interest margin against 3.01%.
12.55% tier 1 leverage ratio against 12.72%.
Inside the full The First National Bank of Okawville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The First National Bank of Okawville rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.01% (Q4 2024) to 0.58% (Q2 2026) and its net interest margin ran from 2.36% (Q3 2024) to 3.15% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.55% | 0.58% | 0.11% | 0.32% | 3.15% |
| Q1 2026 | 11.96% | 0.53% | 0.11% | 0.33% | 3.11% |
| Q4 2025 | 12.47% | 0.25% | 0.11% | 0.34% | 3.07% |
| Q3 2025 | 12.87% | 0.55% | 0.00% | 0.00% | 2.99% |
| Q2 2025 | 12.72% | 0.22% | 0.00% | 0.00% | 3.01% |
| Q1 2025 | 12.56% | 0.40% | 0.00% | 0.00% | 2.92% |
| Q4 2024 | 11.76% | 0.01% | 0.00% | 0.00% | 2.42% |
| Q3 2024 | 11.16% | 0.21% | 0.00% | 0.00% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Okawville | Okawville , IL | 62271 | $58.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 334 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $470K approved, $470K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 Okawville
What are The First National Bank of Okawville's total assets?
As of the Q2 2026 filing, The First National Bank of Okawville reported total assets of $66.3 million in its FFIEC call report.
Where is The First National Bank of Okawville headquartered?
It is headquartered in Okawville, IL, United States.
When was The First National Bank of Okawville founded?
It was established in 1920, per the FDIC institution directory.
Is The First National Bank of Okawville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3826). 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 Okawville?
The First National Bank of Okawville's primary federal regulator is the OCC.
How many branches does The First National Bank of Okawville operate?
It operates 1 domestic office, 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 Okawville's Texas Ratio?
Its Texas Ratio is 0.32% 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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