First National Bank in Pinckneyville
Pinckneyville, IL · Cert 13813 · Peer group: banks under $1B in assets in IL (n=149-151) · First Perry Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
$138.4MAssets
$69.9MLoans
$124.5MDeposits
$11.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks under $1B in assets in IL (rank 21 of 151).
- Widest gap: equity / assets trails 83% of banks under $1B in assets in IL (rank 125 of 151).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.22%
Rank 50 of 151
Net Interest Margin
3.79%
Rank 39 of 151
Efficiency Ratio
61.65%
Rank 62 of 151
Equity / Assets
8.38%
Rank 125 of 151
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 60% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.70% | 1.03% | 1.34% | Beats 67% | 50 / 151 | | |
| Return on Equity | 14.50% | 6.74% | 9.34% | 12.94% | Beats 86% | 21 / 151 | | |
| Net Interest Margin | 3.79% | 3.02% | 3.43% | 3.83% | Beats 74% | 39 / 151 | | |
| Efficiency Ratio | 61.65% | 54.64% | 64.89% | 72.50% | Beats 60% | 62 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.01% | 0.20% | 0.66% | 1.77% | Beats 20% | 120 / 149 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.07% | Beats 39% | 92 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 22.01% | 11.83% | 14.17% | 18.66% | Beats 85% | 22 / 151 | | |
| Total Risk-Based Capital Ratio | 22.92% | 12.22% | 14.54% | 19.92% | Beats 85% | 22 / 151 | | |
| Equity / Assets | 8.38% | 9.10% | 10.65% | 12.40% | Beats 17% | 125 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.11% | 54.39% | 71.02% | 80.75% | 29th pctl | 106 / 149 | | |
| Loans / Assets | 50.47% | 45.91% | 61.31% | 68.01% | 34th pctl | 100 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |