First National Bank of Assumption, The
Assumption, IL · Cert 3600 · Peer group: banks under $1B in assets in IL (n=149-151)
National charter · OCC · 1 branch
Q2 2026
$25.2MAssets
$6.7MLoans
$22.7MDeposits
$2.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
- Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets in IL (rank 130 of 151).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.02%
Rank 79 of 151
Net Interest Margin
3.35%
Rank 86 of 151
Efficiency Ratio
65.38%
Rank 82 of 151
Equity / Assets
9.55%
Rank 101 of 151
Non-interest income vs. expense
Unfavorable gap of $530K · efficiency ratio beats 46% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.70% | 1.03% | 1.34% | Beats 48% | 79 / 151 | | |
| Return on Equity | 10.65% | 6.74% | 9.34% | 12.94% | Beats 62% | 58 / 151 | | |
| Net Interest Margin | 3.35% | 3.02% | 3.43% | 3.83% | Beats 43% | 86 / 151 | | |
| Efficiency Ratio | 65.38% | 54.64% | 64.89% | 72.50% | Beats 46% | 82 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.20% | 0.66% | 1.77% | Beats 35% | 98 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 11.14% | 11.83% | 14.17% | 18.66% | Beats 17% | 126 / 151 | | |
| Total Risk-Based Capital Ratio | 11.14% | 12.22% | 14.54% | 19.92% | Beats 14% | 130 / 151 | | |
| Equity / Assets | 9.55% | 9.10% | 10.65% | 12.40% | Beats 33% | 101 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 29.41% | 54.39% | 71.02% | 80.75% | 0th pctl | 149 / 149 | | |
| Loans / Assets | 26.55% | 45.91% | 61.31% | 68.01% | 2nd pctl | 148 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |