The First National Bank in Amboy: how it compares with its peers
Against 140 IL banks with half to twice its assets, The First National Bank in Amboy's strongest measure in Q2 2026 is return on assets (1.01% vs. a 1.15% peer median). Its weakest relative measure is efficiency ratio (70.71% vs. 64.58%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.15% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.38% | 3.70% | Middle third Ahead of 34% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.71% | 64.58% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.8M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.58% | 74.98% | Context |
What it means for lending operations
Its efficiency ratio of 70.71% is above the 64.58% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Forest Park National Bank and Trust Company Forest Park, IL · $322M
- First State Bank of Forrest Forrest, IL · $328M
- 1NB Bank Carlyle, IL · $319M
- Community State Bank of Rock Falls Rock Falls, IL · $318M
- The Harvard State Bank Harvard, IL · $331M
- Longview Community Bank Mount Pulaski, IL · $317M
Questions about The First National Bank in Amboy
How big is The First National Bank in Amboy?
The First National Bank in Amboy, established in 1934, is headquartered in Amboy, IL. It reported $325M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The First National Bank in Amboy's return on assets?
1.01% annualized in Q2 2026, against a 1.15% median for 140 IL banks with half to twice its assets, ahead of 41% of them.
What is The First National Bank in Amboy's efficiency ratio?
70.71% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 64.58%, and lower is better.
Is The First National Bank in Amboy growing its loans?
Net loans grew 8.4% over the year to Q2 2026, while deposits grew 7.6%.
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.