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The First National Bank in Tremont

$100M-$1B Specialty: Agricultural IL FDIC cert 3749

Tremont, IL

4 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +1.6% year over year ($166.1M on the books).
  • Delinquency rate 0.66%.
  • Return on assets 0.92%.
  • Efficiency ratio 68.00% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

The First National Bank in Tremont has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.05% above tier average
  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 21.0% in tier
  • - Credit Risk Growth: Bottom 35.9% in tier
  • - ROA 0.40% below tier average
  • - Efficiency Ratio 3.52% above tier average
Get updates when The First National Bank in Tremont releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $187.6M
+2.5% YoY -4.4% QoQ
-$199.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
23%
Total Loans ? $124.0M
+5.3% YoY +2.8% QoQ
-$134.4M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $166.1M
+1.6% YoY -5.1% QoQ
-$160.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 0.92%
+40.8% YoY +14.5% QoQ
-0.40% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 4.04%
+4.8% YoY +2.5% QoQ
+0.05% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 68.00%
-9.6% YoY -4.5% QoQ
+3.52% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.66%
+106.0% YoY +50.3% QoQ
-0.26% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 74.62%
+3.7% YoY +8.3% QoQ
-3.33% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 20.48%
+0.2% YoY -8.6% QoQ
-1.55% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 0.44%
+111.6% YoY +61.7% QoQ
-0.23% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
42%
Tier 1 Capital Ratio ? 9.89%
+4.1% YoY +2.8% QoQ
-6.02% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 9.1% in tier
Non-Interest Income / Assets ? 0.14%
+15.9% YoY +117.4% QoQ
-0.42% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
32%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 20.5%
0.0pp YoY
-1.9pp QoQ
 -1.7pp 22.1% 20.1% 22.2% 47%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 10.6%
+0.6pp YoY
-0.3pp QoQ
 -1.0pp 11.6% 14.7% 12.5% 56%
CRE 21.5%
+0.6pp YoY
+0.2pp QoQ
 -18.1pp 39.5% 37.9% 41.4% 21%
1-4 Family 40.3%
+2.1pp YoY
+0.2pp QoQ
 +7.6pp 32.6% 28.3% 31.3% 70%
Consumer 2.1%
-0.5pp YoY
-0.1pp QoQ
 -2.0pp 4.1% 5.4% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 9.9%
+0.4pp YoY
+0.3pp QoQ
 -2.3pp 12.2% 12.2% 12.6% 28%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 33
-1 (-2.9%) YoY
0 QoQ
 -26 58 228 482 31%
Assets per Employee ($) $5.7M
+5.6% YoY
-4.4% QoQ
 -$1.8M $7.5M $8.3M $8.8M 27%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.4pp YoY
+0.2pp QoQ
 +0.2pp 0.3% 0.4% 0.4% 84%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 22%
Allowance Coverage 1.83x
-49.7% YoY
-33.8% QoQ
 -22.33x 24.15x 5.62x 20.23x 45%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 9.5%
+2.4pp YoY
+1.1pp QoQ
 -2.7pp 12.2% 10.5% 11.6% 33%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 21%
Net Income ($, YTD) $875,000
+50.1% YoY
— QoQ
 -$1.7M $2.6M $11.7M $40.4M 23%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#140 of 661 • Bottom 21.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.89%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Risk Growth

risk
#337 of 936 • Bottom 35.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2403
Tier 1 Capital Ratio
capital
Value: 9.89%
Peer Median: 15.91%
#2403 of 2643 Bottom 9.1% in $100M-$1B
2029
Total Assets
size
Value: $187.62M
Peer Median: $386.57M
#2029 of 2643 Bottom 23.3% in $100M-$1B
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