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The First National Bank Of Carmi
Carmi, IL · FDIC Certificate #3777 · Chartered 12/2
Total assets
$622.20M
Total deposits
$545.55M
Total equity
$74.51M
Net loans
$422.62M
Branches (offices)
12
Net income (YTD)
$3.69M
Rank: #1,515 of 4,213 U.S. banks by assets · #87 of 322 in Illinois. Assets changed 4.7% and deposits 4.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 10.00% |
| Net interest margin (YTD) | 4.34% |
| Equity to assets | 11.98% |
| Tier 1 leverage ratio | 11.42% |
| Uninsured deposits (share of deposits) | 28.5% |
| Noncurrent loans (share of loans) | 0.35% |
| Net charge-offs (share of loans) | -0.15% |
| Loans to deposits | 77.5% |
| Real estate loans (share of loans) | 71.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $303.75M | 71.9% | |
| Commercial & industrial | $85.90M | 20.3% | |
| Consumer / individual | $2.22M | 0.5% | |
| Construction & development | $7.93M | 1.9% | |
| Agricultural | $32.32M | 7.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $622.51M | $566.03M | $2.50M | $54.23M |
| Jun 2023 | $606.54M | $547.70M | $3.03M | $55.68M |
| Jun 2024 | $600.01M | $526.86M | $3.64M | $64.85M |
| Jun 2025 | $594.31M | $521.05M | $3.30M | $70.01M |
| Jun 2026 | $622.20M | $545.55M | $3.69M | $74.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $300.32M | 5 |
| Indiana | $245.22M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $545.55M.
Similar-sized banks
Sunrise Bank ($622.88M) · Demotte State Bank ($622.05M)
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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