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The First National Bank of Raymond

$100M-$1B Specialty: Agricultural IL FDIC cert 3830

Raymond, IL

5 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

The First National Bank of Raymond has 3 strengths but faces 1 concern

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

  • + ROA 0.15% above tier average
  • + Efficiency Ratio 1.77% below tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.28% below tier average
Get updates when The First National Bank of Raymond releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $184.7M
+5.4% YoY +2.8% QoQ
-$201.4M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
23%
Total Loans ? $91.5M
+6.0% YoY +1.7% QoQ
-$164.2M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
16%
Total Deposits ? $169.9M
+6.9% YoY +3.5% QoQ
-$158.1M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
27%
Return on Assets ? 1.42%
+29.5% YoY +26.1% QoQ
+0.15% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
63%
Net Interest Margin ? 3.65%
+4.4% YoY +3.2% QoQ
-0.28% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
38%
Efficiency Ratio ? 63.52%
-7.3% YoY -6.9% QoQ
-1.77% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
49%
Delinquency Rate ? 0.44%
-39.7% YoY -4.3% QoQ
-0.44% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
48%
Loan-to-Deposit Ratio ? 53.87%
-0.8% YoY -1.7% QoQ
-22.77% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
Top 12.5% in tier
Non-Interest-Bearing Deposit Share ? 31.60%
+8.9% YoY +2.9% QoQ
+9.58% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
Top 14.5% in tier
Nonperforming Asset Ratio ? 0.22%
-47.7% YoY -5.3% QoQ
-0.42% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
57%
Tier 1 Capital Ratio ? 10.94%
+2.9% YoY +0.3% QoQ
-4.89% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.09%
+13.3% YoY -68.8% QoQ
-0.19% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
46%

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

335
Loan-to-Deposit Ratio
liquidity
Value: 53.87%
Peer Median: 76.64%
#335 of 2664 Top 12.5% in $100M-$1B
387
Non-Interest-Bearing Deposit Share
funding
Value: 31.60%
Peer Median: 22.02%
#387 of 2664 Top 14.5% in $100M-$1B

Top Weaknesses (3 metrics)

2229
Total Loans
size
Value: $91.53M
Peer Median: $255.72M
#2229 of 2664 Bottom 16.4% in $100M-$1B
2073
Tier 1 Capital Ratio
capital
Value: 10.94%
Peer Median: 15.83%
#2073 of 2664 Bottom 22.2% in $100M-$1B
2059
Total Assets
size
Value: $184.68M
Peer Median: $386.08M
#2059 of 2664 Bottom 22.7% in $100M-$1B
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