First National Bank in Tremont, The
Tremont, IL · Cert 3749 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Tremont Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
$187.6MAssets
$125.5MLoans
$166.1MDeposits
$18.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 52% of banks under $1B in assets operating in a single state (rank 361 of 746).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating in a single state (rank 700 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.93%
Rank 442 of 746
Net Interest Margin
3.70%
Rank 361 of 746
Efficiency Ratio
68.00%
Rank 434 of 746
Equity / Assets
9.97%
Rank 431 of 746
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 42% 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 | 0.93% | 0.72% | 1.06% | 1.45% | Beats 41% | 442 / 746 | | |
| Return on Equity | 9.36% | 6.74% | 10.51% | 13.63% | Beats 42% | 435 / 746 | | |
| Net Interest Margin | 3.70% | 3.17% | 3.68% | 4.16% | Beats 52% | 361 / 746 | | |
| Efficiency Ratio | 68.00% | 55.74% | 64.58% | 75.47% | Beats 42% | 434 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.09% | 0.42% | 1.07% | Beats 40% | 449 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 34% | 491 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.89% | 11.55% | 13.75% | 17.60% | Beats 6% | 698 / 746 | | |
| Total Risk-Based Capital Ratio | 9.89% | 11.71% | 14.33% | 18.43% | Beats 6% | 700 / 746 | | |
| Equity / Assets | 9.97% | 8.90% | 10.51% | 13.06% | Beats 42% | 431 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.53% | 61.31% | 78.27% | 90.78% | 45th pctl | 413 / 746 | | |
| Loans / Assets | 66.88% | 53.60% | 66.97% | 76.08% | 50th pctl | 376 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |