The First National Bank of Lacon is a national bank headquartered in Lacon, Illinois, in business for about 162 years. At the end of Q2 2026 it reported $103.7M in total assets and $92.7M in deposits, with 1 office.
The First National Bank of Lacon has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 85th. Problem-loan coverage contributes the most (98/100, 0.8%); earnings contributes the least (67/100, 1.18%).
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
From Q2 2025 to Q2 2026, the score rose 27 points (51 → 78), mostly because the loan quality component improved by 52 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 61 |
| Q4 2024 | 64 |
| Q1 2025 | 62 |
| Q2 2025 | 51 |
| Q3 2025 | 51 |
| Q4 2025 | 69 |
| Q1 2026 | 67 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.36% |
| Q3 2024 | 7.95% |
| Q4 2024 | 8.54% |
| Q1 2025 | 8.41% |
| Q2 2025 | 8.31% |
| Q3 2025 | 8.22% |
| Q4 2025 | 8.72% |
| Q1 2026 | 8.71% |
| Q2 2026 | 11.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.56% |
| Q2 2025 | 1.72% |
| Q3 2025 | 1.56% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.14% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.10% |
| Q1 2025 | 0.85% |
| Q2 2025 | 1.03% |
| Q3 2025 | 0.95% |
| Q4 2025 | 1.00% |
| Q1 2026 | 0.86% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $103.7M | 11.78% | 0.14% | 1.18% | 71.1% |
| Q1 2026 | 67 | $93.1M | 8.71% | 0.07% | 0.86% | 79.3% |
| Q4 2025 | 69 | $96.0M | 8.72% | 0.00% | 1.00% | 75.5% |
| Q3 2025 | 51 | $100.4M | 8.22% | 1.56% | 0.95% | 72.4% |
| Q2 2025 | 51 | $106.8M | 8.31% | 1.72% | 1.03% | 64.9% |
| Q1 2025 | 62 | $90.6M | 8.41% | 0.56% | 0.85% | 73.5% |
| Q4 2024 | 64 | $100.4M | 8.54% | 0.56% | 1.10% | 63.0% |
| Q3 2024 | 61 | $94.8M | 7.95% | 0.66% | 1.08% | 68.2% |
| Q2 2024 | 62 | $100.6M | 8.36% | 0.62% | 0.97% | 64.0% |
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 |
|---|---|---|---|---|---|
| Clay County State BankBank Louisville, IL | 59 out of 100, Moderate | $104.3M | 13.2% | 3.82% | vs |
| The Gerber State BankBank Argenta, IL | 71 out of 100, Strong | $100.8M | 12.3% | 1.31% | vs |
| Nashville Savings BankBank Nashville, IL | 84 out of 100, Strong | $107.9M | 12.9% | 0.00% | vs |
| Anderson State BankBank Oneida, IL | 96 out of 100, Very strong | $108.9M | 17.3% | 0.00% | vs |
| Midland Federal Savings and Loan AssociationBank Bridgeview, IL | 51 out of 100, Below average | $111.2M | 8.5% | 1.00% | vs |
| Anna State BankBank Anna, IL | 81 out of 100, Strong | $111.6M | 12.5% | 0.02% | vs |
Deposit insurance
Is my money safe at The First National Bank of Lacon?
Yes. The First National Bank of Lacon is an FDIC-insured institution (FDIC certificate #3688). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.4% of deposits ($31.0M) 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 11.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.68% (benchmark: 10%).
1 location
Branches
The First National Bank of Lacon lists 1 office in 1 city. Most locations:
- Lacon, IL (1)
Identity & history
Profile
- Legal name
- The First National Bank of Lacon
- Type
- National bank
- FDIC certificate #
- 3688
- RSSD ID
- 824738
- Primary regulator
- OCC
- Holding company
- First Lacon Corp
- Established
- April 11, 1864
- Headquarters
- 111 S Broad St, Lacon, IL 61540
- Website
- www.fnblacon.com
- Employees
- 12
Quick answers
The First National Bank of Lacon: common questions
Is The First National Bank of Lacon FDIC insured?
Yes. The First National Bank of Lacon is an FDIC-insured institution (FDIC certificate #3688). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Lacon'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 of Lacon ever failed?
There is no failure record for FDIC certificate #3688 in the FDIC failed bank list.
How many branches does The First National Bank of Lacon have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lacon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoria Hiway Credit UnionCredit union Peoria, IL | 85 out of 100, Very strong | $6.6M | 13.7% | 0.14% | vs |
| North Central BankBank Hennepin, IL | 82 out of 100, Strong | $165.9M | 12.3% | 0.26% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Cooperative Choice NetworkCredit union Peoria, IL | 76 out of 100, Strong | $205.9M | 12.7% | 0.37% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| Peoria Bell Credit UnionCredit union Peoria, IL | 75 out of 100, Strong | $6.0M | 42.6% | 0.00% | vs |