First National Bank of Carmi, The
Carmi, IL · Cert 3777 · Peer group: banks under $1B in assets operating regionally (n=94) · 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 94).
- Widest gap: return on equity trails 65% of banks under $1B in assets operating regionally (rank 61 of 94).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.19%
Rank 47 of 94
Net Interest Margin
4.13%
Rank 26 of 94
Efficiency Ratio
65.14%
Rank 55 of 94
Equity / Assets
11.98%
Rank 16 of 94
Non-interest income vs. expense
Unfavorable gap of $15.4M · efficiency ratio beats 43% 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% | 1.46% | Beats 50% | 47 / 94 | |
| Return on Equity | 9.90% | 7.85% | 11.84% | 14.03% | Beats 35% | 61 / 94 | |
| Net Interest Margin | 4.13% | 3.42% | 3.81% | 4.18% | Beats 72% | 26 / 94 | |
| Efficiency Ratio | 65.14% | 55.99% | 62.41% | 73.02% | Beats 43% | 55 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.19% | 0.47% | 1.14% | Beats 56% | 42 / 94 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 12 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 11.42% | 10.28% | 11.95% | 15.07% | Beats 41% | 55 / 94 | |
| Total Risk-Based Capital Ratio | 11.42% | 10.31% | 12.59% | 15.88% | Beats 38% | 58 / 94 | |
| Equity / Assets | 11.98% | 8.98% | 10.21% | 11.41% | Beats 83% | 16 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 78.54% | 72.62% | 84.44% | 94.55% | 38th pctl | 58 / 94 | |
| Loans / Assets | 68.86% | 62.50% | 72.84% | 78.99% | 37th pctl | 59 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |