First National Bank of Okawville, The
Okawville, IL · Cert 3826 · Peer group: banks under $1B in assets in IL (n=149-151)
National charter · OCC · 1 branch
Q2 2026
$66.3MAssets
$21.1MLoans
$58.7MDeposits
$7.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
- Widest gap: efficiency ratio trails 87% of banks under $1B in assets in IL (rank 133 of 151).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.57%
Rank 125 of 151
Net Interest Margin
2.93%
Rank 123 of 151
Efficiency Ratio
81.39%
Rank 133 of 151
Equity / Assets
10.99%
Rank 63 of 151
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 13% 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 | 0.57% | 0.70% | 1.03% | 1.34% | Beats 17% | 125 / 151 | | |
| Return on Equity | 5.16% | 6.74% | 9.34% | 12.94% | Beats 18% | 124 / 151 | | |
| Net Interest Margin | 2.93% | 3.02% | 3.43% | 3.83% | Beats 19% | 123 / 151 | | |
| Efficiency Ratio | 81.39% | 54.64% | 64.89% | 72.50% | Beats 13% | 133 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.20% | 0.66% | 1.77% | Beats 83% | 27 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 12.55% | 11.83% | 14.17% | 18.66% | Beats 37% | 95 / 151 | | |
| Total Risk-Based Capital Ratio | 12.55% | 12.22% | 14.54% | 19.92% | Beats 30% | 106 / 151 | | |
| Equity / Assets | 10.99% | 9.10% | 10.65% | 12.40% | Beats 58% | 63 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 35.98% | 54.39% | 71.02% | 80.75% | 5th pctl | 142 / 149 | | |
| Loans / Assets | 31.87% | 45.91% | 61.31% | 68.01% | 6th pctl | 142 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |