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The First National Bank Of Raymond
Raymond, IL · FDIC Certificate #3830 · Chartered 10/0
Total assets
$187.06M
Total deposits
$172.29M
Total equity
$13.97M
Net loans
$81.61M
Branches (offices)
5
Net income (YTD)
$1.22M
Rank: #3,068 of 4,213 U.S. banks by assets · #209 of 322 in Illinois. Assets changed 4.6% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 17.69% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 7.47% |
| Tier 1 leverage ratio | 10.91% |
| Uninsured deposits (share of deposits) | 19.7% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | -0.10% |
| Loans to deposits | 47.4% |
| Real estate loans (share of loans) | 71.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $58.03M | 71.1% | |
| Commercial & industrial | $3.48M | 4.3% | |
| Consumer / individual | $2.31M | 2.8% | |
| Construction & development | $1.63M | 2.0% | |
| Agricultural | $15.76M | 19.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $186.67M | $178.97M | $597.00K | $7.54M |
| Jun 2023 | $178.98M | $170.79M | $692.00K | $7.84M |
| Jun 2024 | $171.90M | $155.05M | $634.00K | $9.06M |
| Jun 2025 | $178.81M | $167.53M | $968.00K | $10.48M |
| Jun 2026 | $187.06M | $172.29M | $1.22M | $13.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $172.29M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $172.29M.
Similar-sized banks
Savannah Bank National Association ($187.17M) · Valley Central Bank ($186.74M)
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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