The First National Bank of Lacon
Lacon, IL
IDRSSD: 824738
Total Assets
$95.98M
Latest filing
Total Deposits
$87.81M
Latest filing
Net Interest Margin
3.94%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Lacon
111 S Broad St
Lacon, IL 61540
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/11/1864FDIC Certificate 2360
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The First National Bank of Lacon (Main) | 111 S Broad St | Lacon, IL | ||
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 | 04/11/1864 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61540 |
| State and County Number | 17123 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| 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 | Peoria, IL |
Operational Info
| Number of Employees | 13 |
| Domestic Offices | 1 |
| 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 | http://www.fnblacon.com |
| Data Updated | 01/30/2026 |
| CERT | 3688 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $95.98M |
| Total Deposits | $87.81M |
| Total Liabilities | $88.03M |
| Total Equity Capital | $7.96M |
| Net Income | $284.00k |
| Net Loans and Leases | $66.27M |
| Assets Per Employee ($Millions) | $8M |
| Bank Premises and Fixed Assets | $377.00k |
| Cash and Balances due from Depository Institutions | $10.55M |
| Deposits Held in Domestic Offices | $87.81M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 14.57% |
| Net Interest Margin | 3.94% |
| Efficiency Ratio | 68.07% |
| Tier 1 Risk-Based Capital Ratio | 12.023% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.289% |
| Earning Assets to total Assets | 96.31% |
Income and Expense
| Total Interest Income | $1.18M |
| Total Noninterest Income | $19.00k |
| Total Interest Expense | $243.00k |
| Total Noninterest Expense | $648.00k |
| Net Interest Income | $933.00k |
| Pre-tax Net Operating Income | $284.00k |
| Provision for Credit Losses | $20.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $220.00k |
| Total Liabilities and Capital | $95.98M |
Securities
| Securities | $17.32M |
| Available-for-sale debt securities | $17.32M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 Lacon?
$95.98M as of the latest filing.
How much are The First National Bank of Lacon's total deposits?
$87.81M in total deposits.
Where is The First National Bank of Lacon located?
Lacon, IL.
What is the Net Interest Margin?
3.94%.
How many domestic offices does it operate?
1.
When was it established?
04/11/1864.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$66.27M (latest filing).
What is the total interest income (latest filing)?
$1.18M.