The Lemont National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Lemont National Bank is an FDIC-insured commercial bank headquartered in Lemont, IL, established in 1901 (FDIC certificate 3693), and it is supervised by the OCC. At Q4 2025 it reported total assets of $49.1M, down 6.3% from Q4 2024. Its CET1 capital ratio was 7.56% at Q4 2025, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3693
- Headquarters
- Lemont, IL
- Established
- 1901
- Total assets, Q4 2025
- $49.1M
- Assets vs Q4 2024
- -6.3%
- CET1 ratio, Q4 2025
- 7.56%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071914138
The Lemont National Bank, based in Lemont, Illinois, reported $49 million in assets at December 31, 2025, down 6.3% from a year earlier. It keeps 1.69 cents of net interest income on every dollar of earning assets, about half the median of 3.87 cents for the 612 banks with less than $100 million in assets. It also holds common equity equal to 7.56% of its risk-weighted assets, about a third the median of 21.73% for banks its size.
Its securities portfolio is underwater by $37 million, an amount equal to 3640% of Tier 1 capital. It lost $1.6 million in the quarter. Credit is the area to watch: it carries problem assets equal to 64.7% of the capital and reserves that would absorb them, 52.3 times the median of 1.2% for banks its size.
As of December 31, 2025, The Lemont National Bank reported a CET1 capital ratio of 7.56%, a return on assets of -13.29%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 64.74%. The figures come from its call report filed with the FFIEC.
Between Q3 2025 and Q4 2025, its total assets fell 1.6% to $49.1M, loans fell 5.2% and deposits rose 3.1%. Its loan book on December 31, 2025 was led by 1-4 family residential loans, at 98.7% of total loans, followed by non-owner-occupied commercial real estate loans at 1.3%. The FDIC Summary of Deposits lists 4 offices for it, in Lemont, IL, Homer Glen, IL and Lemont Township, IL; its Lemont 2 offices book 96% of its branch deposits. By the capital ratios in its Q4 2025 call report, The Lemont National Bank falls below at least one capital ratio minimum for adequately capitalized.
Headquarters Profile
- Address
- 1201 State St, Lemont, IL 60439
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1901
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $46.8M
- Allowance for credit losses
- $18K
- Net charge-offs (YTD)
- $0
- Average total assets
- $49.3M
- Average total loans
- $4.4M
- Average interest-bearing deposits
- $20.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3693
- Fed RSSD
- 480330
Profitability
Q4 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q4 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Lemont National Bank's total assets moved between a low of $49.1M (Q4 2025) and a high of $69.5M (Q1 2024) from Q1 2023 to Q4 2025, and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q4 2025 with Q4 2024. How these charts are built
$49.1M total assets against $52.4M; $47.8M total liabilities against $49.1M.
$4.2M net loans and leases against $4.5M; $46.8M total deposits against $45.9M.
$36.6M securities against $39.3M; $4.5M cash and balances due against $4.9M.
$304K total interest income against $348K; $113K total interest expense against $128K.
$191K net interest income against $220K.
$16K total noninterest income against $17K; $1.3M total noninterest expense against $391K.
$0 provision for credit losses against $0.
-$1.6M net income against -$122K.
-13.29% return on assets against -0.92%; 1.69% net interest margin against 1.80%.
7.56% CET1 capital ratio against 22.09%; 2.05% tier 1 leverage ratio against 5.91%.
Inside the full The Lemont National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Quarterly trend: last 8 quarters
From Q1 2024 to Q4 2025, its return on assets ran from -13.29% (Q4 2025) to -0.22% (Q1 2024) and its net interest margin ran from 1.65% (Q3 2024) to 1.82% (Q1 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q4 2025 | 7.56% | -13.29% | 0.00% | 64.74% | 1.69% |
| Q3 2025 | 19.75% | -1.51% | 0.00% | 28.83% | 1.75% |
| Q2 2025 | 21.13% | -0.75% | 0.00% | 26.94% | 1.70% |
| Q1 2025 | 21.62% | -0.66% | 0.00% | 26.11% | 1.73% |
| Q4 2024 | 22.09% | -0.92% | 0.00% | 26.20% | 1.80% |
| Q3 2024 | 22.73% | -1.08% | 0.00% | 0.00% | 1.65% |
| Q2 2024 | 23.65% | -0.57% | 0.00% | 0.00% | 1.78% |
| Q1 2024 | 24.23% | -0.22% | 0.00% | 0.00% | 1.82% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2025. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Lemont National Bank | Lemont , IL | 60439 | $42.6M |
| Dupage Branch | Lemont , IL | 60439 | $1.0M |
| Marian Villalge Branch | Homer Glen , IL | 60491 | $923K |
| Franciscan Village Bank Branch | Lemont Township , IL | 60439 | $816K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| January 26, 1947 | Structure Change | Acquired First National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- May 1, 2024, OCC: Formal Agreement: The Lemont National Bank
- Period: Most recent institution action May 1, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Not on file
- Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Lemont National Bank
What are The Lemont National Bank's total assets?
As of the Q4 2025 filing, The Lemont National Bank reported total assets of $49.1 million in its FFIEC call report.
Where is The Lemont National Bank headquartered?
It is headquartered in Lemont, IL, United States.
When was The Lemont National Bank founded?
It was established in 1901, per the FDIC institution directory.
Is The Lemont National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3693). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Lemont National Bank?
The Lemont National Bank's primary federal regulator is the OCC.
What is The Lemont National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 7.56% in its Q4 2025 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does The Lemont National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Lemont National Bank's Texas Ratio?
Its Texas Ratio is 64.74% in its Q4 2025 call report, elevated, credit issues exceed half of the bank's capital cushion (50 to 100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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