TellerScore

First National Bank of Nokomis is a national bank headquartered in Nokomis, Illinois, in business for about 86 years. At the end of Q2 2026 it reported $181.9M in total assets and $160.6M in deposits, with 4 offices.

Based on its Q2 2026 filing, First National Bank of Nokomis scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 133rd. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 15% uninsured), and its lowest is capital cushion (59/100; 10.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.89%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.96%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 58.4% · 14.9% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.48%

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 (77 → 73), mostly because the loan quality component weakened by 18 points.

TellerScore
687479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202479
Q4 202477
Q1 202578
Q2 202577
Q3 202577
Q4 202568
Q1 202670
Q2 202673
Tier 1 leverage ratio
5.00%8.13%11.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.94%
Q3 202410.98%
Q4 202410.59%
Q1 202510.61%
Q2 202510.85%
Q3 202511.26%
Q4 202510.79%
Q1 202610.84%
Q2 202610.89%
Noncurrent loans
0.12%0.67%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.12%
Q4 20240.18%
Q1 20250.28%
Q2 20250.43%
Q3 20250.48%
Q4 20251.22%
Q1 20261.20%
Q2 20260.96%
Return on assets
0.90%1.11%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.99%
Q4 20241.01%
Q1 20251.19%
Q2 20251.25%
Q3 20251.07%
Q4 20251.00%
Q1 20261.17%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$181.9M10.89%0.96%1.33%58.4%
Q1 202670$182.7M10.84%1.20%1.17%57.0%
Q4 202568$177.5M10.79%1.22%1.00%62.7%
Q3 202577$175.3M11.26%0.48%1.07%62.5%
Q2 202577$178.2M10.85%0.43%1.25%60.6%
Q1 202578$183.2M10.61%0.28%1.19%56.5%
Q4 202477$177.9M10.59%0.18%1.01%59.2%
Q3 202479$181.6M10.98%0.12%0.99%61.5%
Q2 202477$179.7M10.94%0.14%0.90%61.1%

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 ratio10.89%
48th
Total risk-based capital19.54%
85th
Problem loans0.96%
29th
Net charge-offs0.05%
28th
Return on assets1.33%
55th
Net interest margin4.19%
65th
Efficiency ratio68.5%
33rd
Loans to deposits58.4%
85th
Uninsured deposits14.9%
82nd
Loan-loss reserves1.35%
68th
Texas ratio4.5%
38th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Union Savings BankBank Freeport, IL66 out of 100, Moderate$182.0M9.5%0.27%vs
Town Center BankBank Frankfort, IL65 out of 100, Moderate$180.6M11.4%0.00%vs
La Salle State BankBank La Salle, IL68 out of 100, Moderate$183.2M8.9%0.16%vs
State Bank of WhittingtonBank Benton, IL51 out of 100, Below average$180.1M11.5%4.43%vs
State Bank of BementBank Bement, IL67 out of 100, Moderate$185.6M10.2%0.54%vs
United Trust BankBank Palos Heights, IL65 out of 100, Moderate$178.2M10.0%0.43%vs

Deposit insurance

Is my money safe at First National Bank of Nokomis?

Yes. First National Bank of Nokomis is an FDIC-insured institution (FDIC certificate #15763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.9% of deposits ($23.9M) 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 10.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.54% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First National Bank of Nokomis lists 4 offices in 4 cities. Most locations:

  • Arthur, IL (1)
  • Moweaqua, IL (1)
  • Nokomis, IL (1)
  • Stonington, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank of Nokomis
Type
National bank
FDIC certificate #
15763
RSSD ID
330248
Primary regulator
OCC
Holding company
First Nokomis Bcorp Inc
Established
September 3, 1940
Headquarters
122 W State St, Nokomis, IL 62075
Employees
44

Quick answers

First National Bank of Nokomis: common questions

Is First National Bank of Nokomis FDIC insured?

Yes. First National Bank of Nokomis is an FDIC-insured institution (FDIC certificate #15763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Nokomis's TellerScore?

73 out of 100 (Strong), 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 of Nokomis ever failed?

There is no failure record for FDIC certificate #15763 in the FDIC failed bank list.

How many branches does First National Bank of Nokomis have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Nokomis

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank in TaylorvilleBank Taylorville, IL92 out of 100, Very strong$200.1M14.4%0.00%vs
Midland Community BankBank Kincaid, IL88 out of 100, Very strong$68.8M12.1%0.00%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
The First National Bank of RaymondBank Raymond, IL78 out of 100, Strong$187.1M10.9%0.42%vs
First National Bank of PanaBank Pana, IL78 out of 100, Strong$394.8M10.5%0.07%vs