First National Bank in Olney (FDIC certificate #14567) is based in Olney, Illinois. Its Q2 2026 call report shows $469.3M in total assets and $415.4M in deposits and 6 offices.
First National Bank in Olney has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 227th. Funding & liquidity contributes the most (87/100, 55% loans-to-deposits, 27% uninsured); loan quality contributes the least (47/100, 1.60%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (68 → 64), mostly because the loan quality component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 69 |
| Q4 2024 | 71 |
| Q1 2025 | 72 |
| Q2 2025 | 68 |
| Q3 2025 | 67 |
| Q4 2025 | 67 |
| Q1 2026 | 67 |
| Q2 2026 | 64 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.55% |
| Q3 2024 | 10.50% |
| Q4 2024 | 10.50% |
| Q1 2025 | 10.56% |
| Q2 2025 | 10.61% |
| Q3 2025 | 10.80% |
| Q4 2025 | 10.90% |
| Q1 2026 | 10.83% |
| Q2 2026 | 10.83% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.92% |
| Q4 2025 | 1.08% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.88% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $469.3M | 10.83% | 1.60% | 1.20% | 54.9% |
| Q1 2026 | 67 | $475.5M | 10.83% | 1.46% | 1.38% | 54.5% |
| Q4 2025 | 67 | $455.0M | 10.90% | 1.08% | 0.88% | 60.6% |
| Q3 2025 | 67 | $450.1M | 10.80% | 0.92% | 0.81% | 62.8% |
| Q2 2025 | 68 | $458.2M | 10.61% | 0.81% | 0.82% | 61.4% |
| Q1 2025 | 72 | $465.1M | 10.56% | 0.41% | 0.82% | 59.6% |
| Q4 2024 | 71 | $447.7M | 10.50% | 0.49% | 0.89% | 62.0% |
| Q3 2024 | 69 | $456.1M | 10.50% | 0.58% | 0.63% | 60.6% |
| Q2 2024 | 67 | $452.2M | 10.55% | 0.99% | 0.83% | 59.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hoyne Savings BankBank Chicago, IL | 79 out of 100, Strong | $479.9M | 27.3% | 0.34% | vs |
| Sterling Federal Bank, F.S.B.Bank Sterling, IL | 20 out of 100, Low | $481.6M | 7.7% | 6.26% | vs |
| American Eagle BankBank South Elgin, IL | 55 out of 100, Moderate | $484.7M | 8.5% | 0.04% | vs |
| Citizens State BankBank Lena, IL | 67 out of 100, Moderate | $453.3M | 9.6% | 1.23% | vs |
| Solutions BankBank Forreston, IL | 67 out of 100, Moderate | $491.6M | 8.8% | 0.49% | vs |
| Better BanksBank Peoria, IL | 59 out of 100, Moderate | $445.8M | 9.4% | 1.55% | vs |
Deposit insurance
Is my money safe at First National Bank in Olney?
Yes. First National Bank in Olney is an FDIC-insured institution (FDIC certificate #14567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.8% of deposits ($111.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.83%, 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%).
6 locations
Branches
First National Bank in Olney lists 5 offices in 5 cities. Most locations:
- Ingraham, IL (1)
- Newton, IL (1)
- Oblong, IL (1)
- Olney, IL (1)
- Robinson, IL (1)
Identity & history
Profile
- Legal name
- First National Bank in Olney
- Type
- National bank
- FDIC certificate #
- 14567
- RSSD ID
- 412845
- Primary regulator
- OCC
- Holding company
- Summit Bancshares Ltd
- Established
- July 9, 1934
- Headquarters
- 215 E Main St, Olney, IL 62450
- Website
- www.fnbolney.com
- Employees
- 71
Quick answers
First National Bank in Olney: common questions
Is First National Bank in Olney FDIC insured?
Yes. First National Bank in Olney is an FDIC-insured institution (FDIC certificate #14567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank in Olney's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First National Bank in Olney ever failed?
There is no failure record for FDIC certificate #14567 in the FDIC failed bank list.
How many branches does First National Bank in Olney have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Olney
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens National Bank of AlbionBank Albion, IL | 88 out of 100, Very strong | $348.5M | 17.4% | 0.54% | vs |
| Hershey Robinson Employees Credit UnionCredit union Robinson, IL | 86 out of 100, Very strong | $3.3M | 25.0% | 1.37% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| Sainte Marie State BankBank Sainte Marie, IL | 76 out of 100, Strong | $23.0M | 15.8% | 0.31% | vs |
| The First National Bank of CarmiBank Carmi, IL | 75 out of 100, Strong | $622.2M | 11.4% | 0.35% | vs |
| Casey State BankBank Casey, IL | 70 out of 100, Strong | $496.7M | 11.0% | 1.02% | vs |