First National Bank in Olney
Olney, IL · Cert 14567 · Peer group: banks under $1B in assets in IL (n=149-151) · Summit Bancshares Ltd.
National charter · OCC · 6 branches
Q2 2026
$469.3MAssets
$231.1MLoans
$415.4MDeposits
$48.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 66% of banks under $1B in assets in IL (rank 51 of 151).
- Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in IL (rank 136 of 151).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.20%
Rank 55 of 151
Net Interest Margin
3.13%
Rank 107 of 151
Efficiency Ratio
60.14%
Rank 57 of 151
Equity / Assets
10.33%
Rank 85 of 151
Non-interest income vs. expense
Unfavorable gap of $8.2M · efficiency ratio beats 63% 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 | 1.20% | 0.70% | 1.03% | 1.34% | Beats 64% | 55 / 151 | | |
| Return on Equity | 11.58% | 6.74% | 9.34% | 12.94% | Beats 66% | 51 / 151 | | |
| Net Interest Margin | 3.13% | 3.02% | 3.43% | 3.83% | Beats 29% | 107 / 151 | | |
| Efficiency Ratio | 60.14% | 54.64% | 64.89% | 72.50% | Beats 63% | 57 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.60% | 0.20% | 0.66% | 1.77% | Beats 30% | 106 / 149 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.07% | Beats 29% | 107 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 10.83% | 11.83% | 14.17% | 18.66% | Beats 13% | 131 / 151 | | |
| Total Risk-Based Capital Ratio | 10.83% | 12.22% | 14.54% | 19.92% | Beats 10% | 136 / 151 | | |
| Equity / Assets | 10.33% | 9.10% | 10.65% | 12.40% | Beats 44% | 85 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.63% | 54.39% | 71.02% | 80.75% | 28th pctl | 107 / 149 | | |
| Loans / Assets | 49.25% | 45.91% | 61.31% | 68.01% | 30th pctl | 106 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |