First National Bank of Carmi, The
Carmi, IL · Cert 3777 · Peer group: banks under $1B in assets operating regionally (n=99) · Southern Illinois Bcorp Inc.
National charter · OCC · 12 branches
Q2 2026
$622.2MAssets
$428.5MLoans
$545.5MDeposits
$74.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating regionally (rank 12 of 99).
- Widest gap: return on equity trails 67% of banks under $1B in assets operating regionally (rank 66 of 99).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.19%
Rank 50 of 99
Net Interest Margin
4.13%
Rank 27 of 99
Efficiency Ratio
65.14%
Rank 59 of 99
Equity / Assets
11.98%
Rank 16 of 99
Non-interest income vs. expense
Unfavorable gap of $15.4M · efficiency ratio beats 41% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.82% | 1.19% | 1.48% | Beats 49% | 50 / 99 | |
| Return on Equity | 9.90% | 7.92% | 11.87% | 14.08% | Beats 33% | 66 / 99 | |
| Net Interest Margin | 4.13% | 3.44% | 3.80% | 4.18% | Beats 73% | 27 / 99 | |
| Efficiency Ratio | 65.14% | 55.83% | 62.41% | 73.02% | Beats 41% | 59 / 99 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.19% | 0.46% | 1.04% | Beats 58% | 43 / 99 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.06% | Beats 100% | 12 / 99 | |
| Capital |
| Tier 1 Capital Ratio | 11.42% | 10.28% | 11.95% | 14.75% | Beats 40% | 59 / 99 | |
| Total Risk-Based Capital Ratio | 11.42% | 10.45% | 12.59% | 15.64% | Beats 37% | 62 / 99 | |
| Equity / Assets | 11.98% | 8.89% | 10.14% | 11.36% | Beats 84% | 16 / 99 | |
| Liquidity & Funding |
| Loans / Deposits | 78.54% | 74.57% | 84.03% | 94.55% | 37th pctl | 62 / 99 | |
| Loans / Assets | 68.86% | 62.55% | 71.25% | 78.99% | 37th pctl | 62 / 99 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |