The FNB Community 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 climbed 35.58 percentage points in Q2 2026, from 658.54% to 694.12%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The FNB Community Bank is 109th of 323 on return on assets, 1.44% as of Q2 2026, above the middle of the field. The FNB Community Bank reported 1.44% on return on assets for Q2 2026, 0.20 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.80% |
| Tier 1 risk-based capital ratio | 17.80% |
| Total risk-based capital ratio | 18.84% |
| Tier 1 leverage ratio | 12.57% |
| Equity capital to assets | 9.99% |
| Tangible equity to tangible assets | 9.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 5.90% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 694.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 14.55% |
| Net interest margin | 3.66% |
| Efficiency ratio | 55.49% |
| Yield on earning assets | 5.01% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.09% |
| Core deposits to total deposits | 86.12% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.81% |
| Securities to assets | 30.79% |
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 | 18.09% | 18.09% | 19.06% | 12.06% | 0.73% |
| Q4 2023 | 18.42% | 18.42% | 19.39% | 12.12% | 0.76% |
| Q1 2024 | 17.88% | 17.88% | 18.84% | 11.59% | 0.58% |
| Q2 2024 | 18.02% | 18.02% | 19.00% | 11.77% | 0.64% |
| Q3 2024 | 17.94% | 17.94% | 18.94% | 11.89% | 0.61% |
| Q4 2024 | 17.70% | 17.70% | 18.69% | 11.85% | 0.81% |
| Q1 2025 | 18.29% | 18.29% | 19.31% | 12.22% | 0.62% |
| Q2 2025 | 18.14% | 18.14% | 19.13% | 12.07% | 1.23% |
| Q3 2025 | 18.15% | 18.15% | 19.14% | 12.35% | 0.97% |
| Q4 2025 | 17.47% | 17.47% | 18.48% | 12.12% | 1.06% |
| Q1 2026 | 17.56% | 17.56% | 18.58% | 12.34% | 1.13% |
| Q2 2026 | 17.80% | 17.80% | 18.84% | 12.57% | 1.44% |
The FNB Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The FNB Community 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 FNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3840) · FFIEC NIC profile (RSSD 137447)