TellerScore

Headquartered in Arenzville, Illinois, The First National Bank of Arenzville is a national bank with $158.7M in total assets and $143.7M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1882.

Based on its Q2 2026 filing, The First National Bank of Arenzville scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 104th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is capital cushion (38/100; 8.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.83%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings93/100
Return on assets (annualized): 1.84%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 78.1% · 18.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.39%

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 (75 → 76).

TellerScore
717476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202474
Q4 202471
Q1 202572
Q2 202575
Q3 202575
Q4 202574
Q1 202676
Q2 202676
Tier 1 leverage ratio
5.00%7.06%9.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.37%
Q3 20248.97%
Q4 20248.54%
Q1 20258.26%
Q2 20258.74%
Q3 20259.13%
Q4 20258.97%
Q1 20268.56%
Q2 20268.83%
Noncurrent loans
0.00%0.07%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.04%
Q4 20240.04%
Q1 20250.06%
Q2 20250.02%
Q3 20250.14%
Q4 20250.05%
Q1 20260.05%
Q2 20260.05%
Return on assets
1.21%1.53%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.45%
Q4 20241.21%
Q1 20251.45%
Q2 20251.69%
Q3 20251.72%
Q4 20251.49%
Q1 20261.77%
Q2 20261.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$158.7M8.83%0.05%1.84%78.1%
Q1 202676$157.6M8.56%0.05%1.77%76.5%
Q4 202574$151.7M8.97%0.05%1.49%78.7%
Q3 202575$146.1M9.13%0.14%1.72%81.7%
Q2 202575$145.2M8.74%0.02%1.69%79.8%
Q1 202572$146.1M8.26%0.06%1.45%75.3%
Q4 202471$146.9M8.54%0.04%1.21%73.4%
Q3 202474$137.5M8.97%0.04%1.45%78.8%
Q2 202472$137.0M8.37%0.00%1.40%77.5%

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 ratio8.83%
10th
Total risk-based capital11.49%
51st
Problem loans0.05%
79th
Net charge-offs0.02%
42nd
Return on assets1.84%
81st
Net interest margin4.14%
62nd
Efficiency ratio57.9%
64th
Loans to deposits78.1%
53rd
Uninsured deposits18.9%
69th
Loan-loss reserves1.00%
26th
Texas ratio0.4%
79th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Brickyard BankBank Lincolnwood, IL84 out of 100, Strong$159.0M15.6%0.13%vs
First State Bank of Campbell HillBank Campbell Hill, IL76 out of 100, Strong$160.1M13.8%1.59%vs
Philo Exchange BankBank Philo, IL76 out of 100, Strong$156.6M10.2%0.02%vs
North Central BankBank Hennepin, IL82 out of 100, Strong$165.9M12.3%0.26%vs
First Security BankBank Mackinaw, IL69 out of 100, Moderate$151.1M9.2%0.00%vs
The First National Bank of LitchfieldBank Litchfield, IL77 out of 100, Strong$150.4M11.5%0.13%vs

Deposit insurance

Is my money safe at The First National Bank of Arenzville?

Yes. The First National Bank of Arenzville is an FDIC-insured institution (FDIC certificate #3599). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.9% of deposits ($27.1M) 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 8.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.49% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

The First National Bank of Arenzville lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Arenzville
Type
National bank
FDIC certificate #
3599
RSSD ID
593333
Primary regulator
OCC
Holding company
Arenzville Bcorp Inc
Established
January 1, 1882
Headquarters
110 S Charles St, Arenzville, IL 62611
Employees
29

Quick answers

The First National Bank of Arenzville: common questions

Is The First National Bank of Arenzville FDIC insured?

Yes. The First National Bank of Arenzville is an FDIC-insured institution (FDIC certificate #3599). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Arenzville's TellerScore?

76 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 of Arenzville ever failed?

There is no failure record for FDIC certificate #3599 in the FDIC failed bank list.

How many branches does The First National Bank of Arenzville have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Arenzville

InstitutionScoreAssetsCapitalProblem loansCompare
Rushville State BankBank Rushville, IL94 out of 100, Very strong$134.8M14.3%0.19%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%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 Family Credit UnionCredit union Davenport, IA75 out of 100, Strong$253.3M14.0%1.10%vs
Petefish, Skiles & Co.Bank Virginia, IL75 out of 100, Strong$501.6M9.1%0.14%vs