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The First National Bank Of Lacon
Lacon, IL · FDIC Certificate #3688 · Chartered 04/1
Total assets
$103.74M
Total deposits
$92.66M
Total equity
$10.85M
Net loans
$65.91M
Branches (offices)
1
Net income (YTD)
$576.00K
Rank: #3,654 of 4,213 U.S. banks by assets · #263 of 322 in Illinois. Assets changed -2.9% and deposits -6.5% 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 | 13.08% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 10.46% |
| Tier 1 leverage ratio | 11.78% |
| Uninsured deposits (share of deposits) | 33.4% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 71.1% |
| Real estate loans (share of loans) | 59.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $39.09M | 59.3% | |
| Commercial & industrial | $10.27M | 15.6% | |
| Consumer / individual | $4.81M | 7.3% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $11.63M | 17.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $87.98M | $81.94M | $272.00K | $4.91M |
| Jun 2023 | $90.10M | $84.27M | $394.00K | $4.67M |
| Jun 2024 | $100.55M | $92.99M | $431.00K | $6.37M |
| Jun 2025 | $106.80M | $99.15M | $511.00K | $7.42M |
| Jun 2026 | $103.74M | $92.66M | $576.00K | $10.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $92.66M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $92.66M.
Similar-sized banks
The Glen Burnie Mutual Savings Bank ($103.95M) · American Exchange Bank ($103.69M)
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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