First State Bank of Olmsted: 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 Securities to assets: 1.27 percentage points lower than in Q1 2026, at 25.95%. First State Bank of Olmsted ranks 158th of 323 Illinois banks on return on assets, in the upper half at 1.22% (Q2 2026). First State Bank of Olmsted reported 1.22% on return on assets for Q2 2026, 0.24 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.91% |
| Tier 1 risk-based capital ratio | 19.91% |
| Total risk-based capital ratio | 20.87% |
| Tier 1 leverage ratio | 12.57% |
| Equity capital to assets | 12.40% |
| Tangible equity to tangible assets | 12.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.81% |
| Non-performing assets ratio | 1.19% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 11.12% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 50.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 9.82% |
| Net interest margin | 3.82% |
| Efficiency ratio | 57.43% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.35% |
| Core deposits to total deposits | 92.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.22% |
| Securities to assets | 25.95% |
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 | 15.73% | 15.73% | 16.85% | 8.95% | 0.67% |
| Q4 2023 | 17.03% | 17.03% | 18.14% | 9.88% | 0.61% |
| Q1 2024 | 16.87% | 16.87% | 17.96% | 9.81% | 0.84% |
| Q2 2024 | 16.73% | 16.73% | 17.78% | 10.00% | 0.88% |
| Q3 2024 | 19.23% | 19.23% | 20.34% | 10.63% | 0.90% |
| Q4 2024 | 21.45% | 21.45% | 22.55% | 11.93% | 0.75% |
| Q1 2025 | 20.61% | 20.61% | 21.71% | 11.58% | 1.00% |
| Q2 2025 | — | — | — | 11.91% | 1.16% |
| Q3 2025 | — | — | — | 11.90% | 1.33% |
| Q4 2025 | — | — | — | 12.00% | 1.04% |
| Q1 2026 | — | — | — | 12.30% | 1.22% |
| Q2 2026 | 19.91% | 19.91% | 20.87% | 12.57% | 1.22% |
First State Bank of Olmsted vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Olmsted, 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 State Bank of Olmsted profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10437) · FFIEC NIC profile (RSSD 413347)