First Robinson Savings Bank, National Association
Robinson, IL · Cert 28105 · Peer group: banks under $1B in assets in IL (n=149-151) · First Robinson Financial Corp.
National charter · OCC · 5 branches
Q2 2026
$512.1MAssets
$336.4MLoans
$408.6MDeposits
$40.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 90% of banks under $1B in assets in IL (rank 15 of 151).
- Widest gap: equity / assets trails 88% of banks under $1B in assets in IL (rank 133 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.30%
Rank 43 of 151
Net Interest Margin
3.52%
Rank 62 of 151
Efficiency Ratio
56.83%
Rank 47 of 151
Equity / Assets
7.98%
Rank 133 of 151
Non-interest income vs. expense
Unfavorable gap of $8.8M · efficiency ratio beats 70% 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 | 1.30% | 0.70% | 1.03% | 1.34% | Beats 72% | 43 / 151 | |
| Return on Equity | 16.29% | 6.74% | 9.34% | 12.94% | Beats 90% | 15 / 151 | |
| Net Interest Margin | 3.52% | 3.02% | 3.43% | 3.83% | Beats 59% | 62 / 151 | |
| Efficiency Ratio | 56.83% | 54.64% | 64.89% | 72.50% | Beats 70% | 47 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.37% | 0.20% | 0.66% | 1.77% | Beats 33% | 101 / 149 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.07% | Beats 42% | 89 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 12.93% | 11.83% | 14.17% | 18.66% | Beats 39% | 92 / 151 | |
| Total Risk-Based Capital Ratio | 14.08% | 12.22% | 14.54% | 19.92% | Beats 44% | 85 / 151 | |
| Equity / Assets | 7.98% | 9.10% | 10.65% | 12.40% | Beats 12% | 133 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 82.34% | 54.39% | 71.02% | 80.75% | 79th pctl | 32 / 149 | |
| Loans / Assets | 65.69% | 45.91% | 61.31% | 68.01% | 63rd pctl | 56 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |