Headquartered in Amboy, Illinois, The First National Bank in Amboy is a national bank with $324.5M in total assets and $264.9M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1934.
Based on its Q2 2026 filing, The First National Bank in Amboy scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 78th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is capital cushion (57/100; 10.67%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 78).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 76 |
| Q4 2024 | 77 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 77 |
| Q4 2025 | 77 |
| Q1 2026 | 78 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.24% |
| Q3 2024 | 10.29% |
| Q4 2024 | 10.52% |
| Q1 2025 | 10.64% |
| Q2 2025 | 10.49% |
| Q3 2025 | 10.52% |
| Q4 2025 | 10.68% |
| Q1 2026 | 10.65% |
| Q2 2026 | 10.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.04% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.97% |
| Q2 2025 | 0.89% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.85% |
| Q1 2026 | 1.02% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $324.5M | 10.67% | 0.04% | 1.01% | 49.6% |
| Q1 2026 | 78 | $321.2M | 10.65% | 0.04% | 1.02% | 49.6% |
| Q4 2025 | 77 | $313.7M | 10.68% | 0.00% | 0.85% | 50.5% |
| Q3 2025 | 77 | $310.1M | 10.52% | 0.00% | 0.83% | 47.3% |
| Q2 2025 | 78 | $306.2M | 10.49% | 0.00% | 0.89% | 49.2% |
| Q1 2025 | 78 | $296.3M | 10.64% | 0.00% | 0.97% | 42.7% |
| Q4 2024 | 77 | $294.3M | 10.52% | 0.00% | 0.87% | 44.8% |
| Q3 2024 | 76 | $298.6M | 10.29% | 0.00% | 0.81% | 47.5% |
| Q2 2024 | 75 | $300.6M | 10.24% | 0.00% | 0.76% | 44.1% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Forest Park National Bank and Trust CompanyBank Forest Park, IL | 39 out of 100, Low | $322.4M | 8.3% | 2.48% | vs |
| First State Bank of ForrestBank Forrest, IL | 49 out of 100, Below average | $328.3M | 9.1% | 1.83% | vs |
| 1NB BankBank Carlyle, IL | 74 out of 100, Strong | $319.0M | 10.3% | 0.07% | vs |
| Community State Bank of Rock FallsBank Rock Falls, IL | 49 out of 100, Below average | $318.4M | 12.0% | 4.67% | vs |
| The Harvard State BankBank Harvard, IL | 70 out of 100, Strong | $331.5M | 8.8% | 0.26% | vs |
| Longview Community BankBank Mount Pulaski, IL | 45 out of 100, Below average | $316.8M | 8.5% | 2.40% | vs |
Deposit insurance
Is my money safe at The First National Bank in Amboy?
Yes. The First National Bank in Amboy is an FDIC-insured institution (FDIC certificate #14674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.2% of deposits ($53.5M) 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 10.67%, 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%).
5 locations
Branches
The First National Bank in Amboy lists 5 offices in 4 cities. Most locations:
- Dixon, IL (2)
- Amboy, IL (1)
- Franklin Grove, IL (1)
- Monroe Center, IL (1)
Identity & history
Profile
- Legal name
- The First National Bank in Amboy
- Type
- National bank
- FDIC certificate #
- 14674
- RSSD ID
- 656032
- Primary regulator
- OCC
- Holding company
- Amboy Bcorp Inc
- Established
- August 11, 1934
- Headquarters
- 220 E Main St, Amboy, IL 61310
- Website
- www.fnbamboy.com
- Employees
- 56
Quick answers
The First National Bank in Amboy: common questions
Is The First National Bank in Amboy FDIC insured?
Yes. The First National Bank in Amboy is an FDIC-insured institution (FDIC certificate #14674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank in Amboy's TellerScore?
78 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 The First National Bank in Amboy ever failed?
There is no failure record for FDIC certificate #14674 in the FDIC failed bank list.
How many branches does The First National Bank in Amboy have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Amboy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ottawa Hiway Credit UnionCredit union Ottawa, IL | 100 out of 100, Very strong | $16.3M | 16.7% | 0.00% | vs |
| Financial Plus Credit UnionCredit union Ottawa, IL | 84 out of 100, Strong | $607.4M | 13.2% | 0.45% | vs |
| Blackhawk Area Credit UnionCredit union Savanna, IL | 79 out of 100, Strong | $39.1M | 13.4% | 0.13% | vs |
| State Bank of CherryBank Cherry, IL | 72 out of 100, Strong | $137.6M | 11.6% | 0.50% | vs |
| Holcomb BankBank Rochelle, IL | 72 out of 100, Strong | $304.8M | 8.8% | 0.03% | vs |
| First State BankBank Mendota, IL | 69 out of 100, Moderate | $1.6B | 10.9% | 0.47% | vs |