First National Bank of Brownstown, The
Brownstown, IL · Cert 3770 · Peer group: banks under $1B in assets in IL (n=149-151) · First Brownstown Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
$57.4MAssets
$21.2MLoans
$50.9MDeposits
$6.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of banks under $1B in assets in IL (rank 9 of 151).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in IL (rank 140 of 149).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.29%
Rank 44 of 151
Net Interest Margin
3.46%
Rank 72 of 151
Efficiency Ratio
57.56%
Rank 50 of 151
Equity / Assets
10.67%
Rank 74 of 151
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 68% 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 | 1.29% | 0.70% | 1.03% | 1.34% | Beats 71% | 44 / 151 | |
| Return on Equity | 12.12% | 6.74% | 9.34% | 12.94% | Beats 70% | 45 / 151 | |
| Net Interest Margin | 3.46% | 3.02% | 3.43% | 3.83% | Beats 52% | 72 / 151 | |
| Efficiency Ratio | 57.56% | 54.64% | 64.89% | 72.50% | Beats 68% | 50 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.22% | 0.20% | 0.66% | 1.77% | Beats 36% | 96 / 149 | |
| Net Charge-Offs / Loans | 0.34% | 0.00% | 0.02% | 0.07% | Beats 7% | 140 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 26.84% | 11.83% | 14.17% | 18.66% | Beats 94% | 9 / 151 | |
| Total Risk-Based Capital Ratio | 28.10% | 12.22% | 14.54% | 19.92% | Beats 94% | 9 / 151 | |
| Equity / Assets | 10.67% | 9.10% | 10.65% | 12.40% | Beats 51% | 74 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 41.76% | 54.39% | 71.02% | 80.75% | 6th pctl | 140 / 149 | |
| Loans / Assets | 36.99% | 45.91% | 61.31% | 68.01% | 9th pctl | 138 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |