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First National Bank In Olney
Olney, IL · FDIC Certificate #14567 · Chartered 07/0
Total assets
$469.29M
Total deposits
$415.42M
Total equity
$48.49M
Net loans
$228.20M
Branches (offices)
6
Net income (YTD)
$2.81M
Rank: #1,862 of 4,213 U.S. banks by assets · #109 of 322 in Illinois. Assets changed 2.4% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 11.72% |
| Net interest margin (YTD) | 3.40% |
| Equity to assets | 10.33% |
| Tier 1 leverage ratio | 10.83% |
| Uninsured deposits (share of deposits) | 26.8% |
| Noncurrent loans (share of loans) | 1.60% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 54.9% |
| Real estate loans (share of loans) | 68.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $155.97M | 68.3% | |
| Commercial & industrial | $35.36M | 15.5% | |
| Consumer / individual | $8.01M | 3.5% | |
| Construction & development | $4.96M | 2.2% | |
| Agricultural | $31.44M | 13.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $429.64M | $385.09M | $1.66M | $38.05M |
| Jun 2023 | $430.02M | $383.68M | $2.29M | $38.55M |
| Jun 2024 | $452.18M | $401.68M | $1.84M | $42.40M |
| Jun 2025 | $458.22M | $407.58M | $1.88M | $45.38M |
| Jun 2026 | $469.29M | $415.42M | $2.81M | $48.49M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $415.42M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $415.42M.
Similar-sized banks
Lake-Osceola State Bank ($469.41M) · Mcbank ($467.17M)
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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