FNBC Bank and Trust: 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: 127.42 percentage points higher than in Q1 2026, at 3041.94%. Within Illinois, FNBC Bank and Trust is 87th of 323 on return on assets, 1.54% 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. FNBC Bank and Trust sits 0.29 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.63% |
| Tier 1 risk-based capital ratio | 17.63% |
| Total risk-based capital ratio | 18.81% |
| Tier 1 leverage ratio | 10.02% |
| Equity capital to assets | 9.29% |
| Tangible equity to tangible assets | 9.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.22% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 3041.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 16.56% |
| Net interest margin | 3.43% |
| Efficiency ratio | 62.62% |
| Yield on earning assets | 4.42% |
| Cost of funds | 1.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.52% |
| Core deposits to total deposits | 96.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.29% |
| Securities to assets | 35.19% |
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 | 18.27% | 18.27% | 19.51% | 9.22% | 0.34% |
| Q4 2023 | 18.21% | 18.21% | 19.44% | 9.15% | 0.56% |
| Q1 2024 | 17.71% | 17.71% | 18.90% | 9.31% | 0.25% |
| Q2 2024 | 17.58% | 17.58% | 18.75% | 9.39% | 0.74% |
| Q3 2024 | 18.07% | 18.07% | 19.27% | 9.58% | 0.45% |
| Q4 2024 | 18.57% | 18.57% | 19.82% | 9.49% | 0.27% |
| Q1 2025 | 18.49% | 18.49% | 19.72% | 9.61% | 0.60% |
| Q2 2025 | 18.62% | 18.62% | 19.86% | 9.89% | 0.59% |
| Q3 2025 | 18.61% | 18.61% | 19.84% | 9.89% | 0.79% |
| Q4 2025 | 18.57% | 18.57% | 19.76% | 9.69% | 1.25% |
| Q1 2026 | 18.48% | 18.48% | 19.66% | 10.00% | 0.81% |
| Q2 2026 | 17.63% | 17.63% | 18.81% | 10.02% | 1.54% |
FNBC Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNBC Bank and Trust, 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 FNBC Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11306) · FFIEC NIC profile (RSSD 608844)