First National Bank of Arenzville, The
Arenzville, IL · Cert 3599 · Peer group: banks under $1B in assets in IL (n=149-151) · Arenzville Bcorp Inc.
National charter · OCC · 3 branches
Q2 2026
$158.7MAssets
$113.3MLoans
$143.7MDeposits
$13.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 94% of banks under $1B in assets in IL (rank 9 of 151).
- Widest gap: tier 1 capital ratio trails 90% of banks under $1B in assets in IL (rank 136 of 151).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.45%
Rank 26 of 151
Net Interest Margin
3.85%
Rank 36 of 151
Efficiency Ratio
57.87%
Rank 51 of 151
Equity / Assets
8.42%
Rank 123 of 151
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 67% 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 | 1.45% | 0.70% | 1.03% | 1.34% | Beats 83% | 26 / 151 | |
| Return on Equity | 17.20% | 6.74% | 9.34% | 12.94% | Beats 94% | 9 / 151 | |
| Net Interest Margin | 3.85% | 3.02% | 3.43% | 3.83% | Beats 76% | 36 / 151 | |
| Efficiency Ratio | 57.87% | 54.64% | 64.89% | 72.50% | Beats 67% | 51 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.20% | 0.66% | 1.77% | Beats 87% | 20 / 149 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 62% | 58 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 10.63% | 11.83% | 14.17% | 18.66% | Beats 10% | 136 / 151 | |
| Total Risk-Based Capital Ratio | 11.49% | 12.22% | 14.54% | 19.92% | Beats 16% | 127 / 151 | |
| Equity / Assets | 8.42% | 9.10% | 10.65% | 12.40% | Beats 19% | 123 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 78.86% | 54.39% | 71.02% | 80.75% | 70th pctl | 45 / 149 | |
| Loans / Assets | 71.40% | 45.91% | 61.31% | 68.01% | 84th pctl | 24 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |