First National Bank of Lacon
Lacon, IL · Cert 3688 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Lacon Corp.
National charter · OCC · 1 branch
Q2 2026
$103.7MAssets
$66.4MLoans
$92.7MDeposits
$10.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of banks under $1B in assets operating in a single state (rank 214 of 743).
- Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets operating in a single state (rank 520 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.87%
Rank 476 of 746
Net Interest Margin
3.88%
Rank 299 of 746
Efficiency Ratio
69.21%
Rank 454 of 746
Equity / Assets
10.46%
Rank 379 of 746
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 39% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.72% | 1.06% | 1.45% | Beats 36% | 476 / 746 | | |
| Return on Equity | 8.34% | 6.74% | 10.51% | 13.63% | Beats 36% | 479 / 746 | | |
| Net Interest Margin | 3.88% | 3.17% | 3.68% | 4.16% | Beats 60% | 299 / 746 | | |
| Efficiency Ratio | 69.21% | 55.74% | 64.58% | 75.47% | Beats 39% | 454 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.42% | 1.07% | Beats 71% | 214 / 743 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 30% | 520 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 16.01% | 11.55% | 13.75% | 17.60% | Beats 68% | 238 / 746 | | |
| Total Risk-Based Capital Ratio | 16.68% | 11.71% | 14.33% | 18.43% | Beats 68% | 242 / 746 | | |
| Equity / Assets | 10.46% | 8.90% | 10.51% | 13.06% | Beats 49% | 379 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.65% | 61.31% | 78.27% | 90.78% | 38th pctl | 465 / 746 | | |
| Loans / Assets | 64.00% | 53.60% | 66.97% | 76.08% | 42nd pctl | 429 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |