Headquartered in Tremont, Illinois, The First National Bank in Tremont is a national bank with $187.6M in total assets and $166.1M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1931.
The First National Bank in Tremont has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 205th. Problem-loan coverage contributes the most (92/100, 4.1%); capital cushion contributes the least (49/100, 9.89%).
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 (67 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 64 |
| Q4 2024 | 65 |
| Q1 2025 | 67 |
| Q2 2025 | 67 |
| Q3 2025 | 64 |
| Q4 2025 | 68 |
| Q1 2026 | 67 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.22% |
| Q3 2024 | 9.90% |
| Q4 2024 | 9.85% |
| Q1 2025 | 9.58% |
| Q2 2025 | 9.50% |
| Q3 2025 | 9.48% |
| Q4 2025 | 9.73% |
| Q1 2026 | 9.62% |
| Q2 2026 | 9.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $187.6M | 9.89% | 0.66% | 0.92% | 74.6% |
| Q1 2026 | 67 | $196.3M | 9.62% | 0.44% | 0.81% | 68.9% |
| Q4 2025 | 68 | $184.4M | 9.73% | 0.34% | 0.79% | 75.5% |
| Q3 2025 | 64 | $181.5M | 9.48% | 0.58% | 0.68% | 73.6% |
| Q2 2025 | 67 | $183.1M | 9.50% | 0.32% | 0.66% | 72.0% |
| Q1 2025 | 67 | $178.5M | 9.58% | 0.28% | 0.58% | 72.1% |
| Q4 2024 | 65 | $171.5M | 9.85% | 0.32% | 0.43% | 78.6% |
| Q3 2024 | 64 | $168.5M | 9.90% | 0.39% | 0.35% | 80.5% |
| Q2 2024 | 66 | $162.2M | 10.22% | 0.25% | 0.19% | 78.7% |
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 |
|---|---|---|---|---|---|
| Prairie Community BankBank Marengo, IL | 39 out of 100, Low | $187.5M | 8.8% | 2.82% | vs |
| The First National Bank of RaymondBank Raymond, IL | 78 out of 100, Strong | $187.1M | 10.9% | 0.42% | vs |
| State Bank of BementBank Bement, IL | 67 out of 100, Moderate | $185.6M | 10.2% | 0.54% | vs |
| Jersey State BankBank Jerseyville, IL | 75 out of 100, Strong | $190.1M | 13.3% | 1.18% | vs |
| First State Bank Shannon-PoloBank Shannon, IL | 51 out of 100, Below average | $190.5M | 10.3% | 2.64% | vs |
| La Salle State BankBank La Salle, IL | 68 out of 100, Moderate | $183.2M | 8.9% | 0.16% | vs |
Deposit insurance
Is my money safe at The First National Bank in Tremont?
Yes. The First National Bank in Tremont is an FDIC-insured institution (FDIC certificate #3749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.1% of deposits ($36.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.89%, 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%).
4 locations
Branches
The First National Bank in Tremont lists 4 offices in 4 cities. Most locations:
- Hopedale, IL (1)
- Lincoln, IL (1)
- New Holland, IL (1)
- Tremont, IL (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank in Tremont reported 64 home-loan applications under HMDA (LEI 54930041S7CZYMJ4CH46): 53 originated ($10,345,000 total), 7 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The First National Bank in Tremont
- Type
- National bank
- FDIC certificate #
- 3749
- RSSD ID
- 353546
- Primary regulator
- OCC
- Holding company
- Tremont Bcorp Inc
- Established
- November 18, 1931
- Headquarters
- 134 S Sampson St, Tremont, IL 61568
- Website
- www.tremontbank.com
- Employees
- 33
Quick answers
The First National Bank in Tremont: common questions
Is The First National Bank in Tremont FDIC insured?
Yes. The First National Bank in Tremont is an FDIC-insured institution (FDIC certificate #3749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank in Tremont's TellerScore?
67 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 The First National Bank in Tremont ever failed?
There is no failure record for FDIC certificate #3749 in the FDIC failed bank list.
How many branches does The First National Bank in Tremont have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Tremont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State Bank of EmdenBank Emden, IL | 91 out of 100, Very strong | $37.8M | 29.6% | 0.00% | vs |
| Peoria Fire Fighters Credit UnionCredit union Peoria, IL | 87 out of 100, Very strong | $4.6M | 28.2% | 0.00% | vs |
| Peoria Hiway Credit UnionCredit union Peoria, IL | 85 out of 100, Very strong | $6.6M | 13.7% | 0.14% | vs |
| Community Bank of EastonBank Easton, IL | 85 out of 100, Very strong | $43.0M | 16.3% | 0.00% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Peoria City Employees Credit UnionCredit union Peoria, IL | 79 out of 100, Strong | $6.4M | 21.2% | 1.66% | vs |