The First National Bank of Sparta
Also written as FNB of Sparta
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Sparta is an FDIC-insured commercial bank headquartered in Sparta, IL, supervised by the OCC, with $114.6M in total assets at Q2 2026, up 10.2% from Q2 2025, the 253rd largest of 319 banks headquartered in Illinois. It was established in 1885 and holds FDIC certificate 3837. Its CET1 capital ratio was 25.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3837
- Headquarters
- Sparta, IL
- Established
- 1885
- Total assets, Q2 2026
- $114.6M
- Assets vs Q2 2025
- +10.2%
- CET1 ratio, Q2 2026
- 25.89%
- Domestic offices
- 1 · The First National Bank of Sparta branches FDIC institution directory, current count
- Routing number
- 081905069
- Safety and soundness
- Is The First National Bank of Sparta safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Sparta Q3 2026 call report, filed October 9, 2026 (preliminary)
- Holding company
- FIRST BANCORP OF SPARTA, LTD.
- Asset rank in state
- 253rd of 319 in Illinois
The First National Bank of Sparta is one of the more profitable banks of its size. Its balance sheet stood at $115 million at June 30, 2026, up 10.2% from a year earlier; it is based in Sparta, Illinois. It earns about $2.27 a year on every $100 of assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). It also holds common equity equal to 25.89% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.11%).
Earnings jumped: net income for the quarter was $653,000, 79% above the same quarter a year earlier. The commercial and industrial book ($6.0 million) is worsening: 3.86% of it is past due or on nonaccrual, up from 0.16% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.56% of loans from 0.39% a year earlier.
As of June 30, 2026, The First National Bank of Sparta reported a CET1 capital ratio of 25.89%, a return on assets of 2.27%, a nonperforming-loan ratio of 0.56% and a Texas ratio of 2.09%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Sparta is the 253rd largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 0.4% to $114.6M, loans rose 3.1% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 40.2% of total loans, followed by other consumer loans at 14.0%. The FDIC Summary of Deposits lists a single office for it, in Sparta, IL. By the capital ratios in its Q2 2026 call report, The First National Bank of Sparta meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Broadway St, Sparta, IL 62286
- County
- Randolph
- 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 051
- Established
- October 2, 1885
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $101.1M
- Allowance for credit losses
- $608K
- Net charge-offs (YTD)
- $37K
- Average total assets
- $114.9M
- Average total loans
- $49.4M
- Average interest-bearing deposits
- $84.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3837
- Fed RSSD
- 246947
- Website
- www.fnbsparta.com →
- Parent Holding Company
- FIRST BANCORP OF SPARTA, LTD. (RSSD 1099421)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
The First National Bank of Sparta's total assets moved between a low of $102.3M (Q3 2023) and a high of $114.6M (Q2 2026) from Q3 2023 to 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
$114.6M total assets against $103.9M; $101.9M total liabilities against $93.5M.
$49.2M net loans and leases against $43.8M; $101.1M total deposits against $92.6M.
$49.3M securities against $45.1M; $10.3M cash and balances due against $9.6M.
$1.5M total interest income against $1.3M; $379K total interest expense against $376K.
$1.1M net interest income against $906K.
$431K total noninterest income against $367K; $901K total noninterest expense against $898K.
-$14K provision for credit losses against $0.
$653K net income against $365K.
2.27% return on assets against 1.40%; 4.24% net interest margin against 3.96%.
25.89% CET1 capital ratio against 28.05%; 12.64% tier 1 leverage ratio against 13.03%.
Inside the full The First National Bank of Sparta terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Sparta rankings
Its closest position to the top of a national ranking is 136 of 2,134, for CET1 ratio; its furthest is 3,561 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.90% (Q4 2024) to 4.69% (Q4 2025) and its net interest margin ran from 3.33% (Q3 2024) to 4.24% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.89% | 2.27% | 0.56% | 2.09% | 4.24% |
| Q1 2026 | 25.68% | 1.61% | 0.59% | 2.29% | 4.16% |
| Q4 2025 | 25.20% | 4.69% | 0.62% | 2.31% | 3.95% |
| Q3 2025 | 27.90% | 1.49% | 0.59% | 2.23% | 4.05% |
| Q2 2025 | 28.05% | 1.40% | 0.39% | 1.87% | 3.96% |
| Q1 2025 | 27.99% | 1.77% | 0.42% | 2.04% | 3.94% |
| Q4 2024 | 27.12% | 0.90% | 0.50% | 4.19% | 3.63% |
| Q3 2024 | 27.50% | 1.36% | 0.99% | 4.62% | 3.33% |
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 Sparta | Sparta , IL | 62286 | $101.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 296 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $857K approved, $857K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (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 Sparta
What are The First National Bank of Sparta's total assets?
As of the Q2 2026 filing, The First National Bank of Sparta reported total assets of $114.6 million in its FFIEC call report.
Where is The First National Bank of Sparta headquartered?
It is headquartered in Sparta, IL, United States.
When was The First National Bank of Sparta founded?
It was established in 1885, per the FDIC institution directory.
Is The First National Bank of Sparta FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3837). 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 Sparta?
The First National Bank of Sparta's primary federal regulator is the OCC.
What is The First National Bank of Sparta's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Sparta 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 Sparta's Texas Ratio?
Its Texas Ratio is 2.09% 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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