The First National Bank of Raymond
Also written as FNB of Raymond
BankRegReports is independent of The First National Bank of Raymond and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Raymond is an FDIC-insured commercial bank headquartered in Raymond, IL, established in 1903 (FDIC certificate 3830), and it is supervised by the OCC. At Q2 2026 it reported total assets of $187.1M, up 4.6% from Q2 2025, the 207th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.91% 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
- 3830
- Headquarters
- Raymond, IL
- Established
- 1903
- Total assets, Q2 2026
- $187.1M
- Assets vs Q2 2025
- +4.6%
- Tier 1 leverage ratio, Q2 2026
- 10.91%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081909146
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Raymond Q3 2026 call report, filed October 13, 2026 (preliminary)
- Holding company
- RAYMOND BANCORP, INC.
- Asset rank in state
- 207th of 319 in Illinois
The First National Bank of Raymond, based in Raymond, Illinois, reported $187 million in assets at June 30, 2026, up 4.6% from a year earlier. It pays an average of 0.99% 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.
Paper losses on its bond portfolio are shrinking: unrealized losses of $7.1 million equal 34% of Tier 1 capital, down from 48% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.42% of loans from 0.82%.
As of June 30, 2026, The First National Bank of Raymond reported a return on assets of 1.19%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 2.33%. The figures come from its call report filed with the FFIEC.
The First National Bank of Raymond ranks as the 207th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $187.1M, loans fell 10.7% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 36.8% of total loans, followed by agricultural production loans at 19.1%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Raymond office books 51% of its branch deposits. On its Q2 2026 call report, The First National Bank of Raymond meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 403 E Broad St, Raymond, IL 62560
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 1, 1903
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $172.3M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$45K
- Average total assets
- $193.4M
- Average total loans
- $88.7M
- Average interest-bearing deposits
- $116.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3830
- Fed RSSD
- 421445
- Website
- www.fnbraymond.com →
- Parent Holding Company
- RAYMOND BANCORP, INC. (RSSD 1131303)
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 Raymond 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 Raymond's total assets ranged from $171.9M (Q2 2024) to $187.1M (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
$187.1M total assets against $178.8M; $173.1M total liabilities against $168.3M.
$81.6M net loans and leases against $79.4M; $172.3M total deposits against $167.5M.
$86.4M securities against $77.2M; $15.1M cash and balances due against $18.5M.
$2.0M total interest income against $2.0M; $421K total interest expense against $450K.
$1.6M net interest income against $1.5M.
$127K total noninterest income against $124K; $1.2M total noninterest expense against $1.1M.
No provision recorded in the last 12 quarters.
$577K net income against $490K.
1.19% return on assets against 1.05%; 3.60% net interest margin against 3.43%.
10.91% tier 1 leverage ratio against 10.77%.
Inside the full The First National Bank of Raymond terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Raymond rankings
Its closest position to the top of a national ranking is 2,038 of 3,611, for ROA; its furthest is 3,056 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.75% (Q3 2024) to 1.36% (Q1 2026) and its net interest margin ran from 3.16% (Q3 2024) to 3.66% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.91% | 1.19% | 0.42% | 2.33% | 3.60% |
| Q1 2026 | 10.94% | 1.36% | 0.44% | 2.71% | 3.66% |
| Q4 2025 | 10.91% | 1.04% | 0.46% | 2.87% | 3.57% |
| Q3 2025 | 10.79% | 1.15% | 0.51% | 3.69% | 3.53% |
| Q2 2025 | 10.77% | 1.05% | 0.82% | 6.66% | 3.43% |
| Q1 2025 | 10.63% | 1.03% | 0.73% | 6.52% | 3.41% |
| Q4 2024 | 11.23% | 0.86% | 0.88% | 8.51% | 3.29% |
| Q3 2024 | 11.38% | 0.75% | 1.19% | 7.79% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| The First National Bank of Raymond | Raymond , IL | 62560 | $88.3M |
| Girard Branch | Girard , IL | 62640 | $29.9M |
| Pawnee Branch | Pawnee , IL | 62558 | $24.2M |
| Virden Branch | Virden , IL | 62690 | $18.8M |
| Morrisonville Branch | Morrisonville , IL | 62546 | $11.1M |
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 |
|---|---|---|---|
| October 15, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 1993 | Structure Change | Acquired State Bank of Virden 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.
- Enforcement actions
- 1 against the institution (OCC)
- February 28, 2001, OCC: Formal Agreement: The First National Bank Of Raymond
- Period: Most recent institution action February 28, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 230 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 30 loans originated, $2.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $115K approved, $115K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The First National Bank of Raymond’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The First National Bank of Raymond
What are The First National Bank of Raymond's total assets?
As of the Q2 2026 filing, The First National Bank of Raymond reported total assets of $187.1 million in its FFIEC call report.
Where is The First National Bank of Raymond headquartered?
It is headquartered in Raymond, IL, United States.
When was The First National Bank of Raymond founded?
It was established in 1903, per the FDIC institution directory.
Is The First National Bank of Raymond FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3830). 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 Raymond?
The First National Bank of Raymond's primary federal regulator is the OCC.
How many branches does The First National Bank of Raymond operate?
It operates 5 domestic offices, 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 Raymond's Texas Ratio?
Its Texas Ratio is 2.33% 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.
Go deeper on The First National Bank of Raymond.
Get an email when The First National Bank of Raymond files its next call report, and benchmark it against any peer you choose.
Unlock The First National Bank of Raymond, freeFree account