The First National Bank of Carmi
Carmi, IL
IDRSSD: 209148
Total Assets
$590.55M
Latest filing
Total Deposits
$514.81M
Latest filing
Net Interest Margin
4.46%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Carmi
201 E Main St
Carmi, IL 62821
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/20/1893FDIC Certificate 2440
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The First National Bank of Carmi (Main) | 201 E Main St | Carmi, IL |
| WEST CARMI BRANCH | 1206 West Main Street | Carmi, IL |
| GRAYVILLE BRANCH | 102 S Court St | Grayville, IL |
| LAWRENCEVILLE BRANCH | 2201 James St | Lawrenceville, IL |
| HART STREET BRANCH | 1231 Hart St | Vincennes, IN |
| MOUNT VERNON BRANCH | 450 Southwind Plz | Mount Vernon, IN |
| POSEYVILLE BRANCH | State Route 165 And Frontage Road | Poseyville, IN |
| HAUBSTADT BRANCH | 101 E State Road 68 | Haubstadt, IN |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 12/20/1893 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62821 |
| State and County Number | 17193 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 104 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.myfirst.bank |
| Data Updated | 11/14/2025 |
| CERT | 3777 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $590.55M |
| Total Deposits | $514.81M |
| Total Liabilities | $518.61M |
| Total Equity Capital | $71.95M |
| Net Income | $1.83M |
| Net Loans and Leases | $439.40M |
| Assets Per Employee ($Millions) | $5.79M |
| Bank Premises and Fixed Assets | $11.75M |
| Cash and Balances due from Depository Institutions | $45.02M |
| Deposits Held in Domestic Offices | $514.81M |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 10.31% |
| Net Interest Margin | 4.46% |
| Efficiency Ratio | 63.8% |
| Tier 1 Risk-Based Capital Ratio | 14.169% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.183% |
| Earning Assets to total Assets | 93.3% |
Income and Expense
| Total Interest Income | $8.31M |
| Total Noninterest Income | $723.00k |
| Total Interest Expense | $2.14M |
| Total Noninterest Expense | $4.44M |
| Net Interest Income | $6.17M |
| Pre-tax Net Operating Income | $2.43M |
| Provision for Credit Losses | $19.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $49.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.80M |
| Total Liabilities and Capital | $590.55M |
Securities
| Securities | $71.55M |
| Available-for-sale debt securities | $71.55M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Carmi?
$590.55M as of the latest filing.
How much are The First National Bank of Carmi's total deposits?
$514.81M in total deposits.
Where is The First National Bank of Carmi located?
Carmi, IL.
What is the Net Interest Margin?
4.46%.
How many domestic offices does it operate?
12.
When was it established?
12/20/1893.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$439.40M (latest filing).
What is the total interest income (latest filing)?
$8.31M.