First National Bank of Nokomis
Nokomis, IL · Cert 15763 · Peer group: banks under $1B in assets in IL (n=149-151) · First Nokomis Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
$181.9MAssets
$95.1MLoans
$160.6MDeposits
$19.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 75% of banks under $1B in assets in IL (rank 37 of 151).
- Widest gap: efficiency ratio trails 66% of banks under $1B in assets in IL (rank 100 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.04%
Rank 74 of 151
Net Interest Margin
3.85%
Rank 37 of 151
Efficiency Ratio
69.14%
Rank 100 of 151
Equity / Assets
10.48%
Rank 81 of 151
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 34% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.70% | 1.03% | 1.34% | Beats 51% | 74 / 151 | |
| Return on Equity | 9.97% | 6.74% | 9.34% | 12.94% | Beats 55% | 68 / 151 | |
| Net Interest Margin | 3.85% | 3.02% | 3.43% | 3.83% | Beats 75% | 37 / 151 | |
| Efficiency Ratio | 69.14% | 54.64% | 64.89% | 72.50% | Beats 34% | 100 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.20% | 0.66% | 1.77% | Beats 42% | 88 / 149 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.07% | Beats 40% | 91 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 18.34% | 11.83% | 14.17% | 18.66% | Beats 73% | 41 / 151 | |
| Total Risk-Based Capital Ratio | 19.54% | 12.22% | 14.54% | 19.92% | Beats 74% | 39 / 151 | |
| Equity / Assets | 10.48% | 9.10% | 10.65% | 12.40% | Beats 46% | 81 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 59.20% | 54.39% | 71.02% | 80.75% | 31st pctl | 103 / 149 | |
| Loans / Assets | 52.27% | 45.91% | 61.31% | 68.01% | 36th pctl | 97 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |