First National Bank in Olney: how it compares with its peers
Against 121 IL banks with half to twice its assets, First National Bank in Olney's strongest measure in Q2 2026 is efficiency ratio (60.14% vs. a 62.90% peer median). Its weakest relative measure is net interest margin (3.40% vs. 3.68%).
| Measure | First National Bank in Olney | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.14% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.40% | 3.68% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.14% | 62.90% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $7.3M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.93% | 77.47% | Context |
What it means for lending operations
Its efficiency ratio of 60.14% is better than the 62.90% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Hoyne Savings Bank Chicago, IL · $480M
- Sterling Federal Bank, F.S.B. Sterling, IL · $482M
- American Eagle Bank South Elgin, IL · $485M
- Citizens State Bank Lena, IL · $453M
- Solutions Bank Forreston, IL · $492M
- Better Banks Peoria, IL · $446M
Questions about First National Bank in Olney
How big is First National Bank in Olney?
First National Bank in Olney, established in 1934, is headquartered in Olney, IL. It reported $469M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First National Bank in Olney's return on assets?
1.20% annualized in Q2 2026, against a 1.14% median for 121 IL banks with half to twice its assets, ahead of 54% of them.
What is First National Bank in Olney's efficiency ratio?
60.14% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 62.90%, and lower is better.
Is First National Bank in Olney growing its loans?
Net loans shrank 8.8% over the year to Q2 2026, while deposits grew 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.