First Robinson Savings Bank, N.A.: 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: 7.49 percentage points higher than in Q1 2026, at 84.39%. Within Illinois, First Robinson Savings Bank, N.A. is 123rd of 323 on return on assets, 1.37% as of Q2 2026, above the middle of the field. First Robinson Savings Bank, N.A. reported 1.37% on return on assets for Q2 2026, 0.11 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.93% |
| Tier 1 risk-based capital ratio | 12.93% |
| Total risk-based capital ratio | 14.08% |
| Tier 1 leverage ratio | 8.74% |
| Equity capital to assets | 7.98% |
| Tangible equity to tangible assets | 7.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.37% |
| Non-performing assets ratio | 0.91% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 10.37% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 84.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.37% |
| Return on equity | 17.39% |
| Net interest margin | 3.80% |
| Efficiency ratio | 51.48% |
| Yield on earning assets | 5.16% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.34% |
| Core deposits to total deposits | 84.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.78% |
| Securities to assets | 28.35% |
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 | 14.22% | 14.22% | 15.27% | 8.43% | 0.48% |
| Q4 2023 | 13.82% | 13.82% | 14.88% | 8.11% | 0.41% |
| Q1 2024 | 13.91% | 13.91% | 14.95% | 8.30% | 0.56% |
| Q2 2024 | 13.90% | 13.90% | 14.92% | 8.37% | 0.95% |
| Q3 2024 | 14.84% | 14.84% | 15.89% | 8.50% | 0.78% |
| Q4 2024 | 14.45% | 14.45% | 15.46% | 8.56% | 0.78% |
| Q1 2025 | 14.36% | 14.36% | 15.39% | 8.45% | 0.82% |
| Q2 2025 | 14.13% | 14.13% | 15.21% | 8.93% | 1.01% |
| Q3 2025 | 13.59% | 13.59% | 14.74% | 8.96% | 1.21% |
| Q4 2025 | 13.24% | 13.24% | 14.36% | 8.49% | 0.99% |
| Q1 2026 | 12.97% | 12.97% | 14.08% | 8.41% | 1.25% |
| Q2 2026 | 12.93% | 12.93% | 14.08% | 8.74% | 1.37% |
First Robinson Savings Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Robinson Savings Bank, N.A., 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 Robinson Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28105) · FFIEC NIC profile (RSSD 660271)