TellerScore

The First National Bank of Brownstown is a national bank headquartered in Brownstown, Illinois, in business for about 113 years. At the end of Q2 2026 it reported $57.4M in total assets and $50.9M in deposits, with 1 office.

The First National Bank of Brownstown has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 45% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 147th. Funding & liquidity contributes the most (100/100, 41% loans-to-deposits, 14% uninsured); loan quality contributes the least (59/100, 1.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.25%
Loan quality59/100
Noncurrent loans ÷ total loans: 1.22%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 40.9% · 14.3% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.97%

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 rose 6 points (66 → 72), mostly because the earnings component improved by 12 points.

TellerScore
596672Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202459
Q4 202459
Q1 202568
Q2 202566
Q3 202570
Q4 202567
Q1 202671
Q2 202672
Tier 1 leverage ratio
5.00%8.13%11.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.39%
Q3 202410.56%
Q4 202410.33%
Q1 202510.42%
Q2 202510.24%
Q3 202510.73%
Q4 202510.91%
Q1 202611.07%
Q2 202611.25%
Noncurrent loans
1.05%1.50%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.15%
Q3 20241.96%
Q4 20241.86%
Q1 20251.13%
Q2 20251.09%
Q3 20251.05%
Q4 20251.29%
Q1 20261.32%
Q2 20261.22%
Return on assets
0.71%1.00%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.79%
Q4 20240.71%
Q1 20251.01%
Q2 20250.97%
Q3 20251.02%
Q4 20250.92%
Q1 20261.28%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$57.4M11.25%1.22%1.28%40.9%
Q1 202671$58.5M11.07%1.32%1.28%38.9%
Q4 202567$57.5M10.91%1.29%0.92%41.1%
Q3 202570$55.9M10.73%1.05%1.02%41.1%
Q2 202566$64.4M10.24%1.09%0.97%33.3%
Q1 202568$57.1M10.42%1.13%1.01%39.2%
Q4 202459$55.5M10.33%1.86%0.71%41.3%
Q3 202459$54.6M10.56%1.96%0.79%42.4%
Q2 202466$55.2M10.39%1.15%0.82%40.9%

546 peers · Under $100 million in assets

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 ratio11.25%
32nd
Total risk-based capital28.10%
85th
Problem loans1.22%
30th
Net charge-offs0.28%
9th
Return on assets1.28%
66th
Net interest margin3.74%
43rd
Efficiency ratio57.6%
77th
Loans to deposits40.9%
82nd
Uninsured deposits14.3%
57th
Loan-loss reserves1.99%
83rd
Texas ratio4.0%
38th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State Bank of MilfordBank Milford, IL62 out of 100, Moderate$56.9M9.1%0.76%vs
First Community Bank, Xenia-FloraBank Xenia, IL86 out of 100, Very strong$55.5M12.0%0.22%vs
Community National Bank in MonmouthBank Monmouth, IL77 out of 100, Strong$55.1M13.1%0.90%vs
GN BankBank Chicago, IL53 out of 100, Below average$59.8M16.1%13.11%vs
Camp Grove State BankBank Camp Grove, IL65 out of 100, Moderate$53.1M10.5%0.00%vs
Farmers & Merchants Bank of HutsonvilleBank Hutsonville, IL95 out of 100, Very strong$52.0M18.5%0.00%vs

Deposit insurance

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

Yes. The First National Bank of Brownstown is an FDIC-insured institution (FDIC certificate #3770). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.3% of deposits ($7.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 28.10% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The First National Bank of Brownstown lists 1 office in 1 city. Most locations:

  • Brownstown, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Brownstown
Type
National bank
FDIC certificate #
3770
RSSD ID
207041
Primary regulator
OCC
Holding company
First Brownstown Bcorp Inc
Established
June 1, 1913
Headquarters
108 E Main St, Brownstown, IL 62418
Employees
8

Quick answers

The First National Bank of Brownstown: common questions

Is The First National Bank of Brownstown FDIC insured?

Yes. The First National Bank of Brownstown is an FDIC-insured institution (FDIC certificate #3770). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

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

72 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 Brownstown ever failed?

There is no failure record for FDIC certificate #3770 in the FDIC failed bank list.

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

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brownstown

InstitutionScoreAssetsCapitalProblem loansCompare
Effingham Highway Credit UnionCredit union Effingham, IL94 out of 100, Very strong$5.9M19.8%0.00%vs
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs
First State Bank of Beecher CityBank Beecher City, IL88 out of 100, Very strong$112.2M16.0%0.81%vs
Kinmundy BankBank Kinmundy, IL85 out of 100, Very strong$80.1M13.0%0.67%vs
First State Bank of St. PeterBank Saint Peter, IL83 out of 100, Strong$30.1M18.5%1.71%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs