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First National Bank in Taylorville

Taylorville, IL · Cert 17572 · Peer group: banks under $1B in assets in IL (n=149-151) · First Bcorp of Taylorville Inc.

National charter · OCC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$200.1MAssets
$91.0MLoans
$173.9MDeposits
$23.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets in IL (rank 134 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.06%

Rank 69 of 151

Net Interest Margin

2.72%

Rank 134 of 151

Efficiency Ratio

53.66%

Rank 33 of 151

Equity / Assets

11.79%

Rank 48 of 151

Non-interest income vs. expense

$0.6M$3.3MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 79% of banks under $1B in assets in IL
Bank 53.66%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.06%0.70%1.03%1.34%Beats 54%69 / 151
Return on Equity9.03%6.74%9.34%12.94%Beats 48%78 / 151
Net Interest Margin2.72%3.02%3.43%3.83%Beats 11%134 / 151
Efficiency Ratio53.66%54.64%64.89%72.50%Beats 79%33 / 151
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 76%37 / 149
Capital
Tier 1 Capital Ratio14.41%11.83%14.17%18.66%Beats 53%71 / 151
Total Risk-Based Capital Ratio14.41%12.22%14.54%19.92%Beats 48%78 / 151
Equity / Assets11.79%9.10%10.65%12.40%Beats 68%48 / 151
Liquidity & Funding
Loans / Deposits52.31%54.39%71.02%80.75%20th pctl119 / 149
Loans / Assets45.46%45.91%61.31%68.01%22nd pctl118 / 151
Brokered Deposits / Depositsn/aNot reported for this institution