Total Assets
$455M
Total balance-sheet footings
FDIC Cert #14567 · Olney, Illinois · Est. 1934
First National Bank in Olney - FDIC Bank Health Profile
A community-scale look at First National Bank in Olney's own numbers, pulled straight from its quarterly FDIC Call Report.
- $455M
- Total assets
- B
- Health grade · Good
- 0.88%
- Return on assets
- 10.9%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank in Olney earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.90% Tier 1, 0.88% ROA, 61% efficiency ratio.
- #1,917
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 10.90%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First National Bank in Olney's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank in Olney's composite health score
Tier 1 Capital Ratio (10.90%) 28/40
Return on Assets (ROA) (0.88%) 14/25
Texas Ratio (5.24%) 16/20
Efficiency Ratio (60.71%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$404M
Customer-funded liabilities
Net Loans
$245M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank in Olney ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank in Olney's score of 66/100 falls in the highlighted band.
First National Bank in Olney's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank in Olney's $455M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.90%
Texas Ratio
5.24%
Equity Capital
$48M
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.88%
Return on Equity (ROE)
8.82%
Efficiency Ratio
60.71%
What the numbers say about First National Bank in Olney
First National Bank in Olney is an FDIC-insured institution (Certificate #14567) headquartered in Olney, Illinois, established in 1934. It holds $455M in total assets - 1,917th of 4,313 FDIC-insured banks, $404M in customer deposits, and $245M in net loans. On safety, its Tier 1 capital ratio of 10.90% is above the 10% well-capitalized threshold, and its Texas Ratio of 5.24% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, First National Bank in Olney ranks 112th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$22M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank in Olney reports a Texas Ratio of 5.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank in Olney (FDIC Cert #14567) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is First National Bank in Olney's health grade?▼
First National Bank in Olney receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First National Bank in Olney?▼
First National Bank in Olney holds $455M in total assets and $404M in deposits, ranking 1,917th of 4,313 FDIC-insured banks by asset size. It is headquartered in Olney, Illinois.
Is my money safe at First National Bank in Olney?▼
Yes, deposits at First National Bank in Olney (Certificate #14567) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank in Olney's Tier 1 Capital Ratio?▼
First National Bank in Olney has a Tier 1 Capital Ratio of 10.90%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First National Bank in Olney?▼
First National Bank in Olney has a Texas Ratio of 5.24%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank in Olney?▼
First National Bank in Olney has an Efficiency Ratio of 60.71%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank in Olney's profile as a depositor or analyst.
- First National Bank in Olney's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank in Olney against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.