The First National Bank of Sycamore: 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 Loan-to-deposit ratio: 2.73 percentage points higher than in Q1 2026, at 73.82%. Within Ohio, The First National Bank of Sycamore is 62nd of 156 on return on assets, 1.23% as of Q2 2026, above the middle of the field. At 1.23%, The First National Bank of Sycamore's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.54% |
| Tier 1 risk-based capital ratio | 15.54% |
| Total risk-based capital ratio | 16.63% |
| Tier 1 leverage ratio | 9.96% |
| Equity capital to assets | 8.86% |
| Tangible equity to tangible assets | 8.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.43% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 14.53% |
| Net interest margin | 3.64% |
| Efficiency ratio | 55.52% |
| Yield on earning assets | 5.16% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.82% |
| Core deposits to total deposits | 91.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.62% |
| Securities to assets | 27.01% |
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 | 15.27% | 15.27% | 16.29% | 9.43% | 0.49% |
| Q4 2023 | 14.98% | 14.98% | 16.01% | 9.15% | 0.60% |
| Q1 2024 | 14.94% | 14.94% | 15.97% | 9.17% | 0.62% |
| Q2 2024 | 15.22% | 15.22% | 16.28% | 9.28% | 0.73% |
| Q3 2024 | 15.41% | 15.41% | 16.47% | 9.30% | 0.87% |
| Q4 2024 | 15.41% | 15.41% | 16.49% | 9.04% | 0.86% |
| Q1 2025 | 15.42% | 15.42% | 16.50% | 9.08% | 0.88% |
| Q2 2025 | 15.29% | 15.29% | 16.34% | 9.10% | 1.00% |
| Q3 2025 | 15.35% | 15.35% | 16.40% | 9.36% | 1.07% |
| Q4 2025 | 15.20% | 15.20% | 16.28% | 9.43% | 1.06% |
| Q1 2026 | 15.35% | 15.35% | 16.43% | 9.85% | 1.15% |
| Q2 2026 | 15.54% | 15.54% | 16.63% | 9.96% | 1.23% |
The First National Bank of Sycamore 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 Sycamore, 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 Sycamore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6706) · FFIEC NIC profile (RSSD 553926)