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Fnbc Bank & Trust
La Grange, IL · FDIC Certificate #11306 · Chartered 08/1
Total assets
$581.58M
Total deposits
$525.12M
Total equity
$54.02M
Net loans
$324.53M
Branches (offices)
3
Net income (YTD)
$3.45M
Rank: #1,595 of 4,213 U.S. banks by assets · #91 of 322 in Illinois. Assets changed 1.6% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 12.63% |
| Net interest margin (YTD) | 3.33% |
| Equity to assets | 9.29% |
| Tier 1 leverage ratio | 10.02% |
| Uninsured deposits (share of deposits) | 23.3% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 61.8% |
| Real estate loans (share of loans) | 99.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $321.19M | 99.0% | |
| Commercial & industrial | $5.78M | 1.8% | |
| Consumer / individual | $893.00K | 0.3% | |
| Construction & development | $5.39M | 1.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $554.98M | $512.20M | $3.11M | $40.40M |
| Jun 2023 | $558.43M | $517.51M | $1.40M | $38.51M |
| Jun 2024 | $555.54M | $509.16M | $1.47M | $43.70M |
| Jun 2025 | $572.24M | $517.14M | $1.72M | $52.31M |
| Jun 2026 | $581.58M | $525.12M | $3.45M | $54.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $525.12M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $525.12M.
Similar-sized banks
Cottonport Bank ($581.62M) · Merit Bank ($581.58M)
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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