PackageTrendsPeer
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1NB Bank

Carlyle, IL · Cert 14761 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · First Natl Bcorp Carlyle Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$319.0MAssets
$214.3MLoans
$260.1MDeposits
$30.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 87% of banks under $1B in assets in the St. Louis, MO-IL area (rank 6 of 38).
  • Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets in the St. Louis, MO-IL area (rank 32 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.06%

Rank 18 of 40

Net Interest Margin

3.16%

Rank 25 of 40

Efficiency Ratio

54.20%

Rank 9 of 40

Equity / Assets

9.44%

Rank 21 of 40

Non-interest income vs. expense

$1.0M$6.0MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 80% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 54.20%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.06%0.64%1.04%1.26%Beats 55%18 / 40
Return on Equity11.22%6.25%9.97%13.41%Beats 63%15 / 40
Net Interest Margin3.16%3.09%3.22%3.62%Beats 38%25 / 40
Efficiency Ratio54.20%57.08%64.37%75.86%Beats 80%9 / 40
Asset Quality
Nonperforming Loans / Loans0.07%0.14%0.62%1.92%Beats 87%6 / 38
Net Charge-Offs / Loans0.02%0.00%0.01%0.09%Beats 37%25 / 38
Capital
Tier 1 Capital Ratio10.29%10.29%12.88%15.77%Beats 25%30 / 40
Total Risk-Based Capital Ratio10.29%10.64%13.30%17.01%Beats 20%32 / 40
Equity / Assets9.44%8.59%9.46%12.46%Beats 48%21 / 40
Liquidity & Funding
Loans / Deposits82.40%66.12%79.48%94.60%57th pctl17 / 40
Loans / Assets67.18%54.69%68.52%77.46%40th pctl24 / 40
Brokered Deposits / Depositsn/aNot reported for this institution