The First National Bank of Raymond: 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: 52.94 percentage points higher than in Q1 2026, at 303.43%. Within Illinois, The First National Bank of Raymond is 162nd of 323 on return on assets, 1.19% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The First National Bank of Raymond sits 0.06 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.91% |
| Equity capital to assets | 7.47% |
| Tangible equity to tangible assets | 7.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | -0.20% |
| Texas ratio | 2.33% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 303.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 16.53% |
| Net interest margin | 3.60% |
| Efficiency ratio | 63.61% |
| Yield on earning assets | 4.49% |
| Cost of funds | 0.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.99% |
| Core deposits to total deposits | 93.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.11% |
| Securities to assets | 46.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.73% | 0.81% | 3.03% | 1.24% | -0.01% |
| Q4 2023 | 10.75% | 0.88% | 2.91% | 1.17% | 0.00% |
| Q1 2024 | 10.66% | 0.61% | 2.99% | 1.30% | 0.12% |
| Q2 2024 | 11.16% | 0.84% | 3.14% | 1.09% | 0.00% |
| Q3 2024 | 11.38% | 0.75% | 3.16% | 1.19% | 0.09% |
| Q4 2024 | 11.23% | 0.86% | 3.29% | 0.88% | 0.10% |
| Q1 2025 | 10.63% | 1.03% | 3.41% | 0.73% | -0.00% |
| Q2 2025 | 10.77% | 1.05% | 3.43% | 0.82% | 0.00% |
| Q3 2025 | 10.79% | 1.15% | 3.53% | 0.51% | 0.00% |
| Q4 2025 | 10.91% | 1.04% | 3.57% | 0.46% | -0.39% |
| Q1 2026 | 10.94% | 1.36% | 3.66% | 0.44% | 0.00% |
| Q2 2026 | 10.91% | 1.19% | 3.60% | 0.42% | -0.20% |
The First National Bank of Raymond 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 Raymond, 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 Raymond profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3830) · FFIEC NIC profile (RSSD 421445)