The Litchfield 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 17.27 percentage points higher than in Q1 2026, at 147.70%. Within Illinois, The Litchfield National Bank is 264th of 323 on return on assets, 0.62% as of Q2 2026, below the middle of the field. The Litchfield National Bank's return on assets of 0.62% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.62 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.10% |
| Tier 1 risk-based capital ratio | 16.10% |
| Total risk-based capital ratio | 17.24% |
| Tier 1 leverage ratio | 8.94% |
| Equity capital to assets | 8.07% |
| Tangible equity to tangible assets | 8.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 7.25% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 147.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 8.02% |
| Net interest margin | 3.16% |
| Efficiency ratio | 74.74% |
| Yield on earning assets | 4.59% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.59% |
| Core deposits to total deposits | 87.43% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.89% |
| Securities to assets | 31.83% |
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 | 14.05% | 14.05% | 15.17% | 8.35% | 0.09% |
| Q4 2023 | 14.26% | 14.26% | 15.40% | 8.42% | 0.25% |
| Q1 2024 | 14.95% | 14.95% | 16.07% | 8.41% | 0.09% |
| Q2 2024 | 15.06% | 15.06% | 16.18% | 8.35% | 0.44% |
| Q3 2024 | 14.71% | 14.71% | 15.79% | 8.72% | 0.32% |
| Q4 2024 | 14.80% | 14.80% | 15.89% | 8.65% | 0.47% |
| Q1 2025 | 15.07% | 15.07% | 16.18% | 8.73% | 0.51% |
| Q2 2025 | 15.03% | 15.03% | 16.07% | 8.77% | 0.84% |
| Q3 2025 | 15.38% | 15.38% | 16.46% | 8.76% | 0.77% |
| Q4 2025 | 15.64% | 15.64% | 16.72% | 8.75% | 0.45% |
| Q1 2026 | 15.76% | 15.76% | 16.85% | 8.81% | 0.85% |
| Q2 2026 | 16.10% | 16.10% | 17.24% | 8.94% | 0.62% |
The Litchfield National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Litchfield 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 Litchfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3808) · FFIEC NIC profile (RSSD 372444)