The First National Bank of Okawville: 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: 29.33 percentage points higher than in Q1 2026, at 733.33%. The First National Bank of Okawville ranks 268th of 323 Illinois banks on return on assets, in the lower half at 0.58% (Q2 2026). The First National Bank of Okawville reported 0.58% on return on assets for Q2 2026, 0.40 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.55% |
| Equity capital to assets | 10.99% |
| Tangible equity to tangible assets | 10.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.32% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 733.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 5.30% |
| Net interest margin | 3.15% |
| Efficiency ratio | 78.51% |
| Yield on earning assets | 4.03% |
| Cost of funds | 0.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.98% |
| Core deposits to total deposits | 95.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.58% |
| Securities to assets | 58.02% |
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 | 21.11% | 21.11% | 21.58% | 11.39% | 0.38% |
| Q4 2023 | 19.79% | 19.79% | 20.24% | 11.41% | 0.30% |
| Q1 2024 | 17.99% | 17.99% | 18.39% | 11.10% | 0.41% |
| Q2 2024 | 18.72% | 18.72% | 19.14% | 11.40% | 0.21% |
| Q3 2024 | 18.21% | 18.21% | 18.61% | 11.16% | 0.21% |
| Q4 2024 | 18.39% | 18.39% | 18.79% | 11.76% | 0.01% |
| Q1 2025 | 20.09% | 20.09% | 20.54% | 12.56% | 0.40% |
| Q2 2025 | 21.43% | 21.43% | 21.90% | 12.72% | 0.22% |
| Q3 2025 | 21.38% | 21.38% | 21.85% | 12.87% | 0.55% |
| Q4 2025 | — | — | — | 12.47% | 0.25% |
| Q1 2026 | — | — | — | 11.96% | 0.53% |
| Q2 2026 | — | — | — | 12.55% | 0.58% |
The First National Bank of Okawville 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 Okawville, 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 Okawville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3826) · FFIEC NIC profile (RSSD 333940)