The First National Bank in Tremont: how it compares with its peers
Against 137 IL banks with half to twice its assets, The First National Bank in Tremont's strongest measure in Q2 2026 is net interest margin (4.04% vs. a 3.74% peer median). Its weakest relative measure is return on assets (0.92% vs. 1.15%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.92% | 1.15% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 3.74% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.00% | 64.80% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.4M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.62% | 73.21% | Context |
What it means for lending operations
Its efficiency ratio of 68.00% is above the 64.80% 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
- Prairie Community Bank Marengo, IL · $188M
- The First National Bank of Raymond Raymond, IL · $187M
- State Bank of Bement Bement, IL · $186M
- Jersey State Bank Jerseyville, IL · $190M
- First State Bank Shannon-Polo Shannon, IL · $190M
- La Salle State Bank La Salle, IL · $183M
Questions about The First National Bank in Tremont
How big is The First National Bank in Tremont?
The First National Bank in Tremont, established in 1931, is headquartered in Tremont, IL. It reported $188M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The First National Bank in Tremont's return on assets?
0.92% annualized in Q2 2026, against a 1.15% median for 137 IL banks with half to twice its assets, ahead of 33% of them.
What is The First National Bank in Tremont's efficiency ratio?
68.00% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 64.80%, and lower is better.
Is The First National Bank in Tremont growing its loans?
Net loans grew 5.3% over the year to Q2 2026, while deposits grew 1.6%.
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.