FDIC Cert #3749 · Tremont, Illinois · Est. 1931

The First National Bank in Tremont - FDIC Bank Health Profile

A community-scale look at The First National Bank in Tremont's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$184M
Total assets
C
Health grade · Fair
0.79%
Return on assets
9.7%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank in Tremont earns a PlainBankData health grade of C (56/100), with 9.73% Tier 1 capital, 0.79% ROA, 72% efficiency ratio.

#3,125
largest of 4,313 FDIC banks by assets
28th
percentile by asset size, nationally
9.73%
Tier 1 ratio - below the 10% well-capitalized line
28th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 3749 · IL C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3977/4307
  • PHOTO-FINISH 1st Bank in Hominy · OK
  • TIER1-ADEQ 9.7% Tier 1
  • TEXAS-CLEAN 2.1% Texas
  • ROA-PAR 0.79% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: 1st Bank in Hominy, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First National Bank in Tremont

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Bank in Hominy · OK · ne…56/100Farmers and Merchant… · OK ·…56/100Pillar Bank · WI · near56/100The First National B… · IL ·…56/100The First National B… · TX ·…56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank in Tremont · July 2026

Call Report read for The First National Bank in Tremont in a high-failure state

The First National Bank in Tremont (FDIC Cert #3749) carries a PlainBankData health grade of C at 56/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,977 of 4,307. Tier 1 capital prints at 9.73%, missing the 10% well-capitalized line. The Texas Ratio is 2.14%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.79%. Balance-sheet scale is $184M, 3,125th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is 1st Bank in Hominy (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First National Bank in Tremont

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

The First National Bank in Tremont sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about The First National Bank in Tremont's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How The First National Bank in Tremont's 56/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10056/100
The First National Bank in Tremont's composite health score
Tier 1 Capital Ratio (9.73%) 18/40
Return on Assets (ROA) (0.79%) 14/25
Texas Ratio (2.14%) 20/20
Efficiency Ratio (71.62%) 4/15

56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$184M

Total balance-sheet footings

Total Deposits

$163M

Customer-funded liabilities

Net Loans

$123M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.33% 9.73% 11.13%
Basel III capital ratios - The First National Bank in Tremont

Where The First National Bank in Tremont ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank in Tremont's score of 56/100 falls in the highlighted band.

The First National Bank in Tremont: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 8th percentile higher than 8% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank in Tremont 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The First National Bank in Tremont'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). The First National Bank in Tremont's $184M falls in the highlighted band.

Capital & credit buffers at The First National Bank in Tremont

Tier 1 capital ratio
Well-capitalized 10%

9.73% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.73%
Texas Ratio
2.14%
Equity Capital
$18M

What these ratios mean →

Profitability metrics: The First National Bank in Tremont

Return on Assets (ROA)
28th percentile nationally
0.79%
Return on Equity (ROE)
8.30%
Efficiency Ratio
71.62%

What these mean →

Income & expense at The First National Bank in Tremont

$9M
Interest Income
$563K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank in Tremont reports a Texas Ratio of 2.14% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.14% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank in Tremont on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($184M here), outside Illinois so the neighborhood is not state containment.

The Cincinnatus Savings & Loan Co. $184M · OH First State Bank of Ben Wheeler, Texas $184M · TX Citizens Federal Savings and Loan Ass… $185M · OH Farmers and Miners Bank $185M · VA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank in Tremont (FDIC Cert #3749) - 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.

The First National Bank in Tremont Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
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%