First Robinson Savings Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
First Robinson Savings Bank, N.A. is an FDIC-insured commercial bank headquartered in Robinson, IL, established in 1884 (FDIC certificate 28105), and it is supervised by the OCC. At Q2 2026 it reported total assets of $512.1M, up 8.9% from Q2 2025, the 98th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.93% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28105
- Headquarters
- Robinson, IL
- Established
- 1884
- Total assets, Q2 2026
- $512.1M
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 12.93%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 281271438
- Latest call report
- Q2 2026, FFIEC 051 · First Robinson Savings Bank, N.A. Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- FIRST ROBINSON FINANCIAL CORPORATION
- Asset rank in state
- 98th of 319 in Illinois
Problem loans are rising at First Robinson Savings Bank, N.A.. It reported $512 million in assets at June 30, 2026, up 8.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.37% of loans from 0.45% a year earlier. It funds 8.74% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also grew its loan book 21.6% over the year, 3.9 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.7 million, 46% above the same quarter a year earlier. Over the same year, loans grew 21.6% and deposits grew 6.5%. Credit is the area to watch: it carries problem assets equal to 10.4% of the capital and reserves that would absorb them, 3.9 times the median of 2.7% for banks its size.
As of June 30, 2026, First Robinson Savings Bank, N.A. reported a CET1 capital ratio of 12.93%, a return on assets of 1.37%, a nonperforming-loan ratio of 1.37% and a Texas ratio of 10.37%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Robinson Savings Bank, N.A. is the 98th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $512.1M, loans rose 6.2% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.8% of total loans, ahead of owner-occupied commercial real estate loans at 13.4%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities across 2 states; its Robinson office books 61% of its branch deposits. On its Q2 2026 call report, First Robinson Savings Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 501 E Main St, Robinson, IL 62454
- County
- Crawford
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1884
- Former names
- First Robinson Savings and Loan, F.A. (1990-1997)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $408.6M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $57K
- Average total assets
- $508.8M
- Average total loans
- $326.4M
- Average interest-bearing deposits
- $335.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28105
- Fed RSSD
- 660271
- SEC CIK
- 1035991 → filed by FIRST ROBINSON FINANCIAL CORPORATION
- Website
- www.frsb.net →
- Parent Holding Company
- FIRST ROBINSON FINANCIAL CORPORATION (RSSD 2558194)
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 Robinson Savings Bank, N.A.'s total assets moved between a low of $459.9M (Q2 2024) and a high of $512.1M (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
$512.1M total assets against $470.1M; $471.3M total liabilities against $433.7M.
$332.5M net loans and leases against $273.6M; $408.6M total deposits against $383.7M.
$145.2M securities against $147.7M; $13.7M cash and balances due against $29.5M.
$6.2M total interest income against $5.4M; $1.6M total interest expense against $1.6M.
$4.6M net interest income against $3.8M.
$885K total noninterest income against $843K; $2.8M total noninterest expense against $2.8M.
$324K provision for credit losses against $260K.
$1.7M net income against $1.2M.
1.37% return on assets against 1.01%; 3.80% net interest margin against 3.42%.
12.93% CET1 capital ratio against 14.13%; 8.74% tier 1 leverage ratio against 8.93%.
Inside the full First Robinson Savings Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Robinson Savings Bank, N.A. rankings
Its closest position to the top of a national ranking is 607 of 3,640, for Texas Ratio; its furthest is 1,429 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.78% (Q4 2024) to 1.37% (Q2 2026) and its net interest margin ran from 2.66% (Q3 2024) to 3.80% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.93% | 1.37% | 1.37% | 10.37% | 3.80% |
| Q1 2026 | 12.97% | 1.25% | 1.48% | 11.00% | 3.65% |
| Q4 2025 | 13.24% | 0.99% | 0.53% | 5.56% | 3.38% |
| Q3 2025 | 13.59% | 1.21% | 0.41% | 2.90% | 3.78% |
| Q2 2025 | 14.13% | 1.01% | 0.45% | 3.14% | 3.42% |
| Q1 2025 | 14.36% | 0.82% | 0.47% | 3.28% | 3.01% |
| Q4 2024 | 14.45% | 0.78% | 0.44% | 3.07% | 2.88% |
| Q3 2024 | 14.84% | 0.78% | 0.55% | 3.66% | 2.66% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Robinson Savings Bank, N.A. (main office) | Robinson , IL | 62454 | $248.3M |
| Vincennes Branch | Vincennes , IN | 47591 | $92.9M |
| East Grand Prairie Branch | Palestine , IL | 62451 | $32.0M |
| Oblong Branch | Oblong , IL | 62449 | $31.1M |
| First Vincennes Savings Bank Branch | Vincennes , IN | 47591 | $4.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 3 against individuals associated with it
- November 19, 1991, OCC (former OTS): Supervisory Agreement: First Robinson Savings and Loan, F.A.
- Period: Most recent institution action November 19, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 156 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $95K approved, $95K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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
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Frequently asked about First Robinson Savings Bank, N.A.
What are First Robinson Savings Bank, N.A.'s total assets?
As of the Q2 2026 filing, First Robinson Savings Bank, N.A. reported total assets of $512.1 million in its FFIEC call report.
Where is First Robinson Savings Bank, N.A. headquartered?
It is headquartered in Robinson, IL, United States.
When was First Robinson Savings Bank, N.A. founded?
It was established in 1884, per the FDIC institution directory.
Is First Robinson Savings Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Robinson Savings Bank, N.A.?
First Robinson Savings Bank, N.A.'s primary federal regulator is the OCC.
What is First Robinson Savings Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.93% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Robinson Savings Bank, N.A. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Robinson Savings Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 10.37% 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.
What was First Robinson Savings Bank, N.A. previously called?
The charter now named First Robinson Savings Bank, N.A. has also operated as First Robinson Savings and Loan, F.A. (1990-1997), per FDIC structure-change records.
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