The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 3 points (71 → 74), mostly because the earnings component improved by 11 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Illinois

Yes. 1NB Bank is an FDIC-insured institution (FDIC certificate #14761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.4% of deposits ($45.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1NB Bank lists 5 offices in 4 cities across 2 states. Most locations:

• Carlyle, IL (2)
• Aviston, IL (1)
• Breese, IL (1)
• Cape Girardeau, MO (1)

All branch addresses and map

In 2025, 1NB Bank reported 40 home-loan applications under HMDA (LEI 54930000REMJYLBAS614): 33 originated ($5,545,000 total), 6 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

1NB Bank

Former names

The First National Bank in Carlyle

Type

State-chartered bank (Fed member)

FDIC certificate #

14761

RSSD ID

614948

Primary regulator

FED

Holding company

First Natl Bcorp Carlyle Inc

Established

January 1, 1878

Headquarters

891 Fairfax St, Carlyle, IL 62231

Website

www.1nbbank.bank

Employees

35