First National Bank of Litchfield, The
Litchfield, IL · Cert 3807 · Peer group: banks under $1B in assets in IL (n=149-151) · First Montgomery Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
$150.4MAssets
$112.7MLoans
$131.8MDeposits
$16.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets in IL (rank 28 of 149).
- Widest gap: equity / assets trails 46% of banks under $1B in assets in IL (rank 69 of 151).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.07%
Rank 68 of 151
Net Interest Margin
3.50%
Rank 68 of 151
Efficiency Ratio
62.08%
Rank 64 of 151
Equity / Assets
10.77%
Rank 69 of 151
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 58% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.70% | 1.03% | 1.34% | Beats 55% | 68 / 151 | | |
| Return on Equity | 9.97% | 6.74% | 9.34% | 12.94% | Beats 56% | 67 / 151 | | |
| Net Interest Margin | 3.50% | 3.02% | 3.43% | 3.83% | Beats 55% | 68 / 151 | | |
| Efficiency Ratio | 62.08% | 54.64% | 64.89% | 72.50% | Beats 58% | 64 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.20% | 0.66% | 1.77% | Beats 82% | 28 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 74% | 39 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 15.12% | 11.83% | 14.17% | 18.66% | Beats 58% | 64 / 151 | | |
| Total Risk-Based Capital Ratio | 16.32% | 12.22% | 14.54% | 19.92% | Beats 62% | 58 / 151 | | |
| Equity / Assets | 10.77% | 9.10% | 10.65% | 12.40% | Beats 54% | 69 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.50% | 54.39% | 71.02% | 80.75% | 85th pctl | 23 / 149 | | |
| Loans / Assets | 74.93% | 45.91% | 61.31% | 68.01% | 91st pctl | 14 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |