TellerScore

First Robinson Savings Bank, National Association is a national bank headquartered in Robinson, Illinois, in business for about 142 years. At the end of Q2 2026 it reported $512.1M in total assets and $408.6M in deposits, with 5 offices across 2 states.

Based on its Q2 2026 filing, First Robinson Savings Bank, National Association scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 266th. Its strongest component is problem-loan coverage (79/100; 10.4%), and its lowest is capital cushion (37/100; 8.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.74%
Loan quality54/100
Noncurrent loans ÷ total loans: 1.37%
Earnings72/100
Return on assets (annualized): 1.31%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 81.4% · 28.5% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.37%

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 8 points (65 → 57), mostly because the loan quality component weakened by 31 points.

TellerScore
556166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202464
Q1 202563
Q2 202565
Q3 202566
Q4 202562
Q1 202655
Q2 202657
Tier 1 leverage ratio
5.00%6.98%8.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.37%
Q3 20248.50%
Q4 20248.56%
Q1 20258.45%
Q2 20258.93%
Q3 20258.96%
Q4 20258.49%
Q1 20268.41%
Q2 20268.74%
Noncurrent loans
0.41%0.94%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.55%
Q4 20240.44%
Q1 20250.47%
Q2 20250.45%
Q3 20250.41%
Q4 20250.53%
Q1 20261.48%
Q2 20261.37%
Return on assets
0.76%1.04%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.76%
Q4 20240.77%
Q1 20250.83%
Q2 20250.92%
Q3 20251.00%
Q4 20251.00%
Q1 20261.26%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$512.1M8.74%1.37%1.31%81.4%
Q1 202655$510.9M8.41%1.48%1.26%74.6%
Q4 202562$501.2M8.49%0.53%1.00%74.0%
Q3 202566$496.6M8.96%0.41%1.00%70.3%
Q2 202565$470.1M8.93%0.45%0.92%71.3%
Q1 202563$477.2M8.45%0.47%0.83%64.9%
Q4 202464$468.7M8.56%0.44%0.77%64.4%
Q3 202463$491.4M8.50%0.55%0.76%60.1%
Q2 202463$459.9M8.37%0.47%0.76%66.2%

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 ratio8.74%
9th
Total risk-based capital14.08%
62nd
Problem loans1.37%
20th
Net charge-offs0.04%
32nd
Return on assets1.31%
54th
Net interest margin3.77%
40th
Efficiency ratio56.8%
67th
Loans to deposits81.4%
47th
Uninsured deposits28.5%
33rd
Loan-loss reserves1.16%
46th
Texas ratio10.4%
17th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank and TrustBank Monticello, IL73 out of 100, Strong$509.6M9.2%0.44%vs
Grundy BankBank Morris, IL85 out of 100, Very strong$504.7M12.6%0.20%vs
Petefish, Skiles & Co.Bank Virginia, IL75 out of 100, Strong$501.6M9.1%0.14%vs
Germantown Trust & Savings BankBank Breese, IL87 out of 100, Very strong$523.6M11.6%0.13%vs
The FNB Community BankBank Vandalia, IL76 out of 100, Strong$498.9M12.6%0.78%vs
Casey State BankBank Casey, IL70 out of 100, Strong$496.7M11.0%1.02%vs

Deposit insurance

Is my money safe at First Robinson Savings Bank, National Association?

Yes. First Robinson Savings Bank, National Association is an FDIC-insured institution (FDIC certificate #28105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.5% of deposits ($116.4M) 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 8.74%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.08% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

First Robinson Savings Bank, National Association lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Robinson Savings Bank, National Association
Former names
First Robinson Savings and Loan, F.A.; First Robinson Savings and Loan
Type
National bank
FDIC certificate #
28105
RSSD ID
660271
Primary regulator
OCC
Holding company
First Robinson Financial Corp
Established
January 1, 1884
Headquarters
501 E Main St, Robinson, IL 62454
Employees
85

Quick answers

First Robinson Savings Bank, National Association: common questions

Is First Robinson Savings Bank, National Association FDIC insured?

Yes. First Robinson Savings Bank, National Association is an FDIC-insured institution (FDIC certificate #28105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Robinson Savings Bank, National Association's TellerScore?

57 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 Robinson Savings Bank, National Association ever failed?

There is no failure record for FDIC certificate #28105 in the FDIC failed bank list.

How many branches does First Robinson Savings Bank, National Association have?

5 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Robinson

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers & Merchants Bank of HutsonvilleBank Hutsonville, IL95 out of 100, Very strong$52.0M18.5%0.00%vs
Citizens National Bank of AlbionBank Albion, IL88 out of 100, Very strong$348.5M17.4%0.54%vs
Hershey Robinson Employees Credit UnionCredit union Robinson, IL86 out of 100, Very strong$3.3M25.0%1.37%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs
Western Indiana Credit UnionCredit union Sullivan, IN80 out of 100, Strong$48.7M12.6%0.15%vs
Sainte Marie State BankBank Sainte Marie, IL76 out of 100, Strong$23.0M15.8%0.31%vs