The Old Exchange National Bank of Okawville: 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: 1101.88 percentage points higher than in Q1 2026, at 2094.74%. The Old Exchange National Bank of Okawville ranks 197th of 323 Illinois banks on return on assets, in the lower half at 1.04% (Q2 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. The Old Exchange National Bank of Okawville sits 0.05 points higher, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.27% |
| Tier 1 risk-based capital ratio | 22.27% |
| Total risk-based capital ratio | 23.15% |
| Tier 1 leverage ratio | 11.13% |
| Equity capital to assets | 8.47% |
| Tangible equity to tangible assets | 8.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 0.90% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 2094.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 12.51% |
| Net interest margin | 2.70% |
| Efficiency ratio | 54.73% |
| Yield on earning assets | 4.43% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.55% |
| Core deposits to total deposits | 92.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.73% |
| Securities to assets | 52.08% |
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 | 23.74% | 23.74% | 24.82% | 11.69% | 0.75% |
| Q4 2023 | 21.72% | 21.72% | 22.68% | 11.67% | 0.72% |
| Q1 2024 | 23.31% | 23.31% | 24.32% | 11.86% | 1.00% |
| Q2 2024 | 22.67% | 22.67% | 23.66% | 12.02% | 0.46% |
| Q3 2024 | 21.40% | 21.40% | 22.33% | 11.27% | 0.97% |
| Q4 2024 | 21.10% | 21.10% | 22.00% | 11.18% | 0.85% |
| Q1 2025 | 21.99% | 21.99% | 22.93% | 11.32% | 0.84% |
| Q2 2025 | 22.59% | 22.59% | 23.56% | 11.39% | 0.76% |
| Q3 2025 | 22.28% | 22.28% | 23.23% | 11.55% | 0.87% |
| Q4 2025 | 20.51% | 20.51% | 21.36% | 11.17% | 1.09% |
| Q1 2026 | 22.21% | 22.21% | 23.12% | 11.16% | 1.18% |
| Q2 2026 | 22.27% | 22.27% | 23.15% | 11.13% | 1.04% |
The Old Exchange National Bank of Okawville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Old Exchange National Bank of Okawville, 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 Old Exchange National Bank of Okawville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3827) · FFIEC NIC profile (RSSD 411240)