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1Nb Bank
Carlyle, IL · FDIC Certificate #14761 · Chartered 01/0
Total assets
$318.99M
Total deposits
$260.08M
Total equity
$30.11M
Net loans
$212.14M
Branches (offices)
5
Net income (YTD)
$1.69M
Rank: #2,376 of 4,213 U.S. banks by assets · #148 of 322 in Illinois. Assets changed 8.8% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 11.56% |
| Net interest margin (YTD) | 3.38% |
| Equity to assets | 9.44% |
| Tier 1 leverage ratio | 10.29% |
| Uninsured deposits (share of deposits) | 17.4% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 81.6% |
| Real estate loans (share of loans) | 78.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $166.87M | 78.7% | |
| Commercial & industrial | $25.52M | 12.0% | |
| Consumer / individual | $7.58M | 3.6% | |
| Construction & development | $12.76M | 6.0% | |
| Agricultural | $11.77M | 5.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $264.65M | $231.98M | $1.02M | $18.37M |
| Jun 2023 | $275.68M | $243.71M | $734.00K | $19.51M |
| Jun 2024 | $292.09M | $252.44M | $1.02M | $22.27M |
| Jun 2025 | $293.07M | $248.22M | $1.19M | $26.44M |
| Jun 2026 | $318.99M | $260.08M | $1.69M | $30.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $259.25M | 4 |
| Missouri | $831.00K | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $260.08M.
Similar-sized banks
People'S Bank And Trust Company Of Pickett County ($319.04M) · Citizens Bank And Trust Company Of Ardmore ($318.81M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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