The Fisher National Bank: 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.
Reserve coverage of non-performing loans dropped 225.92 percentage points in Q2 2026, from 294.74% to 68.81%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Fisher National Bank is 80th of 323 on return on assets, 1.59% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Fisher National Bank sits 0.34 points higher, at 1.59% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.00% |
| Equity capital to assets | 8.92% |
| Tangible equity to tangible assets | 8.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.27% |
| Non-performing assets ratio | 0.96% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 11.51% |
| Allowance for credit losses to loans | 0.87% |
| Reserve coverage of non-performing loans | 68.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 17.89% |
| Net interest margin | 4.13% |
| Efficiency ratio | 58.30% |
| Yield on earning assets | 6.07% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.35% |
| Core deposits to total deposits | 88.41% |
| Brokered deposits to total deposits | 6.13% |
| Deposits to assets | 86.86% |
| Securities to assets | 16.15% |
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 | 12.69% | 12.69% | 13.50% | 8.71% | 1.51% |
| Q4 2023 | 11.55% | 11.55% | 12.30% | 8.74% | 1.90% |
| Q1 2024 | 12.56% | 12.56% | 13.44% | 8.81% | 1.37% |
| Q2 2024 | 12.97% | 12.97% | 13.88% | 9.01% | 1.49% |
| Q3 2024 | 12.97% | 12.97% | 13.89% | 8.97% | 1.22% |
| Q4 2024 | 13.52% | 13.52% | 14.46% | 9.25% | 1.04% |
| Q1 2025 | — | — | — | 9.45% | 1.48% |
| Q2 2025 | — | — | — | 9.27% | 1.62% |
| Q3 2025 | — | — | — | 9.27% | 1.41% |
| Q4 2025 | — | — | — | 9.20% | 1.72% |
| Q1 2026 | — | — | — | 9.36% | 1.60% |
| Q2 2026 | — | — | — | 9.00% | 1.59% |
The Fisher National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fisher National Bank, 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 Fisher National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17513) · FFIEC NIC profile (RSSD 739832)