First National Bank in Olney

Olney, Illinois, Richland County

$469M in total assets, the 1,894th largest of 4,309 US banks and 110th of 328 headquartered in Illinois.

At a glance

Compared with 211 banks headquartered in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$469M	74%	$286M
Loans	$231M	62%	$174M
Deposits	$415M	78%	$237M
Return on assets	1.07%	46%	1.13%
Net interest margin	3.40%	35%	3.70%
Efficiency ratio	60.1%	36%	64.2%
Equity to assets	10.33%	48%	10.44%
Loans to deposits	56%	16%	76%

Total assets grew 2.3% a year over the last 5 years and 3.3% a year over 10 years, without acquisitions.

Closed	Acquired bank	Assets at acquisition
May 1998	Mt. Erie State Bank Mount Erie, IL	$15M
Jul 1996	Ingraham State Bank Ingraham, IL	$14M

6 branches in 3 counties.

County	Deposits	Market share	Rank
Richland County, IL	$263M	40.9%	2 of 4
Crawford County, IL	$113M	17.0%	2 of 6
Jasper County, IL	$40M	8.5%	3 of 4

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

No net change since 2016 (6 branches then and now). 1 opened, 0 acquired, 1 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				6
2021	Opened Newton	1	0	+1	7
2025	Closed Olney	0	1	−1	6

Type	This bank	Peers
Farmland	26%	13%
1-4 family residential	24%	30%
Business (C&I)	15%	12%
Agricultural	14%	7%
Commercial real estate	8%	23%
Multifamily	6%	6%
Consumer	3%	4%
Construction and land	2%	4%
Other	0%	1%

Type	This bank	Peers
Other interest-bearing	49%	47%
Time deposits	31%	35%
Noninterest-bearing	20%	19%

Brokered deposits are 0.0% of deposits (peers 2.1%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-national-bank-in-olney-il