First National Bank of Steeleville
Also written as FNB of Steeleville
BankRegReports is independent of First National Bank of Steeleville and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First National Bank of Steeleville is an FDIC-insured commercial bank headquartered in Steeleville, IL, established in 1902 (FDIC certificate 1049), and it is supervised by the OCC. At Q2 2026 it reported total assets of $274.5M, up 0.1% from Q2 2025, the 162nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 24.43% 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
- 1049
- Headquarters
- Steeleville, IL
- Established
- 1902
- Total assets, Q2 2026
- $274.5M
- Assets vs Q2 2025
- +0.1%
- CET1 ratio, Q2 2026
- 24.43%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081909722
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Steeleville Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- STEELEVILLE BANCSHARES, INC.
- Asset rank in state
- 162nd of 319 in Illinois
First National Bank of Steeleville carries far more capital than most banks of its size. It reported $275 million in assets at June 30, 2026. It holds common equity equal to 24.43% of its risk-weighted assets, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). It also shrank its loan book 2.2% over the year, lower than about three-quarters of banks its size (median 5.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.3 million equal 17% of Tier 1 capital, down from 22% a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.44% of loans from 0.33% a year earlier.
As of June 30, 2026, First National Bank of Steeleville reported a CET1 capital ratio of 24.43%, a return on assets of 2.00%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 1.48%. The figures come from its call report filed with the FFIEC.
First National Bank of Steeleville ranks as the 162nd largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.8% to $274.5M, loans fell 3.1% and deposits fell 2.7%. 1-4 family residential loans made up 39.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 22.5%. Its 3 offices in the FDIC Summary of Deposits are in Steeleville, IL, Sparta, IL and Percy, IL; its Steeleville office books 74% of its branch deposits. Judged on its Q2 2026 call report, First National Bank of Steeleville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 W Broadway, Steeleville, IL 62288
- 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
- November 1, 1902
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $229.0M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $279.1M
- Average total loans
- $111.7M
- Average interest-bearing deposits
- $203.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1049
- Fed RSSD
- 129349
- Website
- www.bankatfnb.com →
- Parent Holding Company
- STEELEVILLE BANCSHARES, INC. (RSSD 1099627)
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
First National Bank of Steeleville's total assets moved between a low of $236.2M (Q3 2023) and a high of $279.4M (Q1 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
$274.5M total assets against $274.3M; $243.0M total liabilities against $245.4M.
$109.4M net loans and leases against $111.9M; $229.0M total deposits against $231.7M.
$142.9M securities against $134.4M; $6.8M cash and balances due against $12.7M.
$3.3M total interest income against $3.2M; $862K total interest expense against $899K.
$2.4M net interest income against $2.3M.
$419K total noninterest income against $559K; $1.4M total noninterest expense against $1.4M.
$0 provision for credit losses against $0.
$1.4M net income against $1.5M.
2.00% return on assets against 2.15%; 3.61% net interest margin against 3.48%.
24.43% CET1 capital ratio against 23.28%; 13.55% tier 1 leverage ratio against 13.60%.
Inside the full First National Bank of Steeleville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Steeleville rankings
Its closest position to the top of a national ranking is 170 of 2,134, for CET1 ratio; its furthest is 2,479 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.22% (Q4 2025) to 2.15% (Q2 2025) and its net interest margin ran from 3.38% (Q1 2025) to 3.65% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.43% | 2.00% | 0.44% | 1.48% | 3.61% |
| Q1 2026 | 24.22% | 1.82% | 0.58% | 2.11% | 3.57% |
| Q4 2025 | 22.20% | 1.22% | 0.42% | 1.81% | 3.65% |
| Q3 2025 | 24.22% | 1.97% | 0.35% | 1.39% | 3.58% |
| Q2 2025 | 23.28% | 2.15% | 0.33% | 1.43% | 3.48% |
| Q1 2025 | 23.85% | 1.61% | 0.40% | 1.80% | 3.38% |
| Q4 2024 | 22.68% | 1.31% | 0.36% | 1.55% | 3.50% |
| Q3 2024 | 24.16% | 1.74% | 0.46% | 1.93% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| First National Bank of Steeleville (main office) | Steeleville , IL | 62288 | $168.7M |
| Sparta Banking Center | Sparta , IL | 62286 | $34.7M |
| Percy Banking Center | Percy , IL | 62272 | $25.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 3 against individuals associated with it
- August 28, 2002, OCC: Formal Agreement: First National Bank of Steeleville
- Period: Most recent institution action August 28, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 191 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $188K approved, $188K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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
Add this badge to your website
Free to use. It shows First National Bank of Steeleville’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First National Bank of Steeleville
What are First National Bank of Steeleville's total assets?
As of the Q2 2026 filing, First National Bank of Steeleville reported total assets of $274.5 million in its FFIEC call report.
Where is First National Bank of Steeleville headquartered?
It is headquartered in Steeleville, IL, United States.
When was First National Bank of Steeleville founded?
It was established in 1902, per the FDIC institution directory.
Is First National Bank of Steeleville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1049). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Steeleville?
First National Bank of Steeleville's primary federal regulator is the OCC.
What is First National Bank of Steeleville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.43% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of Steeleville operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Steeleville's Texas Ratio?
Its Texas Ratio is 1.48% 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 First National Bank of Steeleville.
Get an email when First National Bank of Steeleville files its next call report, and benchmark it against any peer you choose.
Unlock First National Bank of Steeleville, freeFree account