PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Assumption, The

Assumption, IL · Cert 3600

National charter · OCC · 1 branch

Q2 2026

$25.2MAssets
$6.7MLoans
$22.7MDeposits
$2.4MEquity
Loan mix
70%RE $4.0M7%C&I $0.4M23%Consumer $1.3MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $15.8M31%Noninterest $7.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.22%, up 15 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 1.24% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.14%, up 41 bps from a year ago.
  • Funding: loans stand at 29.41% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.22%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.54%+8 bps YoY

Efficiency Ratio (quarter, annualized)

58.45%-137 bps YoY

Tier 1 Leverage Ratio

11.14%+41 bps YoY

NIM

3.69%Q2 ’244.16%Q2 ’254.10%Q2 ’26+9%+2%

Non-interest income vs. expense

1.99%Q2 ’242.10%Q2 ’252.10%Q2 ’26+6%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.15%0.72%1.07%0.98%0.60%0.89%1.22%+15 bps
Return on Equity9.51%1.70%8.20%12.30%10.77%6.18%9.04%12.67%+38 bps
Net Interest Margin3.19%3.33%3.07%3.47%3.34%3.43%3.23%3.54%+8 bps
Efficiency Ratio64.10%78.33%69.23%59.81%63.18%73.64%73.10%58.45%-137 bps
Non-Interest Burden2.02%2.56%2.11%2.05%2.09%2.45%2.34%2.05%0 bps
Growth
Asset Growth (YoY)-3.41%0.05%7.21%5.88%0.84%1.94%-3.28%-0.03%-591 bps
Loan Growth (YoY)9.03%10.42%13.56%12.26%1.11%5.33%3.61%3.85%-841 bps
Deposit Growth (YoY)-5.36%-0.64%6.86%5.46%0.33%0.68%-4.50%-0.73%-619 bps
Asset Quality
Nonperforming Loans / Loans1.45%1.47%1.45%1.34%1.70%1.23%1.22%1.24%-9 bps
Net Charge-Offs / Loans-0.19%0.06%0.00%0.00%0.19%0.60%-0.12%0.00%0 bps
Allowance / Loans1.48%1.49%1.48%1.46%1.41%1.37%1.42%1.39%-7 bps
Allowance Coverage of NPLs1.0x1.0x1.0x1.1x0.8x1.1x1.2x1.1x0.0x
Capital
Tier 1 Leverage Ratio11.27%11.26%10.25%10.73%10.12%11.21%11.06%11.14%+41 bps
Total Risk-Based Capital11.27%11.26%10.25%10.73%10.12%11.21%11.06%11.14%+41 bps
Equity / Assets8.91%9.06%8.51%8.87%9.35%10.13%9.65%9.55%+68 bps
Liquidity & Funding
Loans / Deposits28.89%30.50%27.82%28.11%29.11%31.91%30.18%29.41%+130 bps
Liquid Assets / Assets41.88%42.51%42.70%41.28%42.27%45.68%45.07%41.29%+1 bps
CRE / Total Capitaln/an/an/an/a23.46%26.65%26.30%n/an/a