The First National Bank of Litchfield
Litchfield, IL
IDRSSD: 370347
Total Assets
$142.83M
Latest filing
Total Deposits
$124.62M
Latest filing
Net Interest Margin
3.73%
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 Litchfield
324 N State St
Litchfield, IL 62056
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1860FDIC Certificate 2468
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Litchfield (Main) | 324 N State St | Litchfield, IL |
| DRIVE-IN FACILITY | #3 Ohren Drive | Litchfield, IL |
Showing 1 of 1
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 | 01/01/1860 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62056 |
| State and County Number | 17135 |
| Subchapter S Corporations | Yes |
| 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 | 23 |
| Domestic Offices | 2 |
| 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.fnbl.com |
| Data Updated | 01/30/2026 |
| CERT | 3807 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $142.83M |
| Total Deposits | $124.62M |
| Total Liabilities | $126.92M |
| Total Equity Capital | $15.91M |
| Net Income | $490.00k |
| Net Loans and Leases | $112.96M |
| Assets Per Employee ($Millions) | $5.95M |
| Bank Premises and Fixed Assets | $1.64M |
| Cash and Balances due from Depository Institutions | $2.81M |
| Deposits Held in Domestic Offices | $124.62M |
Key Performance Ratios
| Return on Assets (ROA) | 1.4% |
| Return on Equity (ROE) | 12.52% |
| Net Interest Margin | 3.73% |
| Efficiency Ratio | 62.28% |
| Tier 1 Risk-Based Capital Ratio | 14.667% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.136% |
| Earning Assets to total Assets | 95.66% |
Income and Expense
| Total Interest Income | $1.97M |
| Total Noninterest Income | $143.00k |
| Total Interest Expense | $718.00k |
| Total Noninterest Expense | $867.00k |
| Net Interest Income | $1.25M |
| Pre-tax Net Operating Income | $504.00k |
| Provision for Credit Losses | $21.00k |
| 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 | $2.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $821.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $300.00k |
| Total Liabilities and Capital | $142.83M |
Securities
| Securities | $21.78M |
| Available-for-sale debt securities | $21.78M |
| 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 Litchfield?
$142.83M as of the latest filing.
How much are The First National Bank of Litchfield's total deposits?
$124.62M in total deposits.
Where is The First National Bank of Litchfield located?
Litchfield, IL.
What is the Net Interest Margin?
3.73%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1860.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$112.96M (latest filing).
What is the total interest income (latest filing)?
$1.97M.