TellerScore

First National Bank in Pinckneyville (FDIC certificate #13813) is based in Pinckneyville, Illinois. Its Q2 2026 call report shows $138.4M in total assets and $124.5M in deposits and 1 office.

Based on its Q2 2026 filing, First National Bank in Pinckneyville scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 246th. Its strongest component is problem-loan coverage (77/100; 11.5%), and its lowest is loan quality (33/100; 2.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.78%
Loan quality33/100
Noncurrent loans ÷ total loans: 2.01%
Earnings69/100
Return on assets (annualized): 1.21%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 55.6% · 39.8% uninsured
Problem-loan coverage77/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.46%

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 11 points (72 → 61), mostly because the earnings component weakened by 31 points.

TellerScore
616874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202461
Q4 202461
Q1 202564
Q2 202572
Q3 202574
Q4 202567
Q1 202662
Q2 202661
Tier 1 leverage ratio
5.00%8.95%12.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.71%
Q3 202411.36%
Q4 202410.64%
Q1 202511.16%
Q2 202512.58%
Q3 202512.90%
Q4 202511.29%
Q1 202611.53%
Q2 202611.78%
Noncurrent loans
1.15%1.58%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.15%
Q3 20241.80%
Q4 20241.52%
Q1 20251.47%
Q2 20251.76%
Q3 20251.58%
Q4 20251.80%
Q1 20261.93%
Q2 20262.01%
Return on assets
1.08%2.67%4.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.08%
Q4 20241.08%
Q1 20251.12%
Q2 20254.26%
Q3 20253.22%
Q4 20252.71%
Q1 20261.28%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$138.4M11.78%2.01%1.21%55.6%
Q1 202662$139.3M11.53%1.93%1.28%52.1%
Q4 202567$137.8M11.29%1.80%2.71%51.8%
Q3 202574$139.5M12.90%1.58%3.22%51.9%
Q2 202572$137.0M12.58%1.76%4.26%47.7%
Q1 202564$136.1M11.16%1.47%1.12%45.2%
Q4 202461$137.9M10.64%1.52%1.08%44.1%
Q3 202461$137.2M11.36%1.80%1.08%46.6%
Q2 202469$135.8M11.71%1.15%1.08%43.6%

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).

Capital ratio11.78%
62nd
Total risk-based capital22.92%
91st
Problem loans2.01%
12th
Net charge-offs0.05%
27th
Return on assets1.21%
48th
Net interest margin4.04%
55th
Efficiency ratio61.6%
52nd
Loans to deposits55.6%
87th
Uninsured deposits39.8%
10th
Loan-loss reserves0.96%
22nd
Texas ratio11.5%
15th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of CherryBank Cherry, IL72 out of 100, Strong$137.6M11.6%0.50%vs
Streator Home Savings BankBank Streator, IL70 out of 100, Strong$137.0M22.0%1.19%vs
Federated BankBank Onarga, IL69 out of 100, Moderate$140.1M8.9%0.20%vs
Southern Illinois BankBank Johnston City, IL62 out of 100, Moderate$136.5M17.7%4.75%vs
The Litchfield National BankBank Litchfield, IL62 out of 100, Moderate$135.7M8.9%0.84%vs
Rushville State BankBank Rushville, IL94 out of 100, Very strong$134.8M14.3%0.19%vs

Deposit insurance

Is my money safe at First National Bank in Pinckneyville?

Yes. First National Bank in Pinckneyville is an FDIC-insured institution (FDIC certificate #13813). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.8% of deposits ($49.5M) 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 11.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.92% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First National Bank in Pinckneyville lists 1 office in 1 city. Most locations:

  • Pinckneyville, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank in Pinckneyville
Type
National bank
FDIC certificate #
13813
RSSD ID
340443
Primary regulator
OCC
Holding company
First Perry Bcorp Inc
Established
January 1, 1901
Headquarters
210 S Main St, Pinckneyville, IL 62274
Employees
23

Quick answers

First National Bank in Pinckneyville: common questions

Is First National Bank in Pinckneyville FDIC insured?

Yes. First National Bank in Pinckneyville is an FDIC-insured institution (FDIC certificate #13813). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank in Pinckneyville's TellerScore?

61 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 Pinckneyville ever failed?

There is no failure record for FDIC certificate #13813 in the FDIC failed bank list.

How many branches does First National Bank in Pinckneyville have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pinckneyville

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of SteelevilleBank Steeleville, IL90 out of 100, Very strong$274.5M13.5%0.44%vs
The First National Bank of AvaBank Ava, IL84 out of 100, Strong$78.3M12.8%0.07%vs
The First National Bank of SpartaBank Sparta, IL84 out of 100, Strong$114.6M12.6%0.56%vs
Nashville Savings BankBank Nashville, IL84 out of 100, Strong$107.9M12.9%0.00%vs
Du Quoin State BankBank Du Quoin, IL78 out of 100, Strong$148.2M10.8%0.00%vs
The Farmers and Merchants National Bank of NashvilleBank Nashville, IL78 out of 100, Strong$270.3M11.6%0.61%vs