First National Bank of Steeleville: 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: 13.80 percentage points lower than in Q1 2026, at 216.03%. On return on assets, First National Bank of Steeleville ranks 27th highest among the 323 banks headquartered in Illinois, at 2.00% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First National Bank of Steeleville reported 2.00% on return on assets in Q2 2026, 0.75 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.43% |
| Tier 1 risk-based capital ratio | 24.43% |
| Total risk-based capital ratio | 25.27% |
| Tier 1 leverage ratio | 13.55% |
| Equity capital to assets | 11.47% |
| Tangible equity to tangible assets | 11.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.96% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 216.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.00% |
| Return on equity | 18.13% |
| Net interest margin | 3.61% |
| Efficiency ratio | 49.65% |
| Yield on earning assets | 4.90% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.30% |
| Core deposits to total deposits | 91.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.42% |
| Securities to assets | 52.07% |
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 | 24.10% | 24.10% | 24.94% | 14.45% | 1.49% |
| Q4 2023 | 23.20% | 23.20% | 24.08% | 14.34% | 1.12% |
| Q1 2024 | 23.65% | 23.65% | 24.47% | 14.09% | 1.68% |
| Q2 2024 | 22.97% | 22.97% | 23.74% | 14.46% | 2.44% |
| Q3 2024 | 24.16% | 24.16% | 24.96% | 14.44% | 1.74% |
| Q4 2024 | 22.68% | 22.68% | 23.49% | 13.78% | 1.31% |
| Q1 2025 | 23.85% | 23.85% | 24.72% | 13.09% | 1.61% |
| Q2 2025 | 23.28% | 23.28% | 24.11% | 13.60% | 2.15% |
| Q3 2025 | 24.22% | 24.22% | 25.06% | 13.64% | 1.97% |
| Q4 2025 | 22.20% | 22.20% | 23.01% | 13.01% | 1.22% |
| Q1 2026 | 24.22% | 24.22% | 25.07% | 13.29% | 1.82% |
| Q2 2026 | 24.43% | 24.43% | 25.27% | 13.55% | 2.00% |
First National Bank of Steeleville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Steeleville, 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 First National Bank of Steeleville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1049) · FFIEC NIC profile (RSSD 129349)