Headquartered in Litchfield, Illinois, The First National Bank of Litchfield is a national bank with $150.4M in total assets and $131.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1860.
Based on its Q2 2026 filing, The First National Bank of Litchfield scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 93rd. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is funding & liquidity (55/100; 84% loans-to-deposits, 33% uninsured).
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 (76 → 77).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 77 |
| Q4 2024 | 77 |
| Q1 2025 | 78 |
| Q2 2025 | 76 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 76 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.40% |
| Q3 2024 | 12.56% |
| Q4 2024 | 12.73% |
| Q1 2025 | 12.30% |
| Q2 2025 | 11.80% |
| Q3 2025 | 12.13% |
| Q4 2025 | 12.04% |
| Q1 2026 | 11.59% |
| Q2 2026 | 11.50% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.18% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.24% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.30% |
| Q2 2026 | 1.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $150.4M | 11.50% | 0.13% | 1.39% | 84.4% |
| Q1 2026 | 76 | $151.1M | 11.59% | 0.15% | 1.30% | 83.9% |
| Q4 2025 | 76 | $142.8M | 12.04% | 0.16% | 1.25% | 90.6% |
| Q3 2025 | 76 | $136.9M | 12.13% | 0.18% | 1.20% | 87.0% |
| Q2 2025 | 76 | $139.8M | 11.80% | 0.14% | 1.24% | 84.6% |
| Q1 2025 | 78 | $139.0M | 12.30% | 0.07% | 1.16% | 85.9% |
| Q4 2024 | 77 | $127.5M | 12.73% | 0.08% | 0.98% | 92.7% |
| Q3 2024 | 77 | $126.2M | 12.56% | 0.11% | 0.95% | 90.6% |
| Q2 2024 | 76 | $127.4M | 12.40% | 0.13% | 0.93% | 87.4% |
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 |
|---|---|---|---|---|---|
| Heritage Bank of SchaumburgBank Schaumburg, IL | 83 out of 100, Strong | $150.0M | 10.9% | 0.00% | vs |
| First Security BankBank Mackinaw, IL | 69 out of 100, Moderate | $151.1M | 9.2% | 0.00% | vs |
| Du Quoin State BankBank Du Quoin, IL | 78 out of 100, Strong | $148.2M | 10.8% | 0.00% | vs |
| Union Federal Savings and Loan AssociationBank Kewanee, IL | 77 out of 100, Strong | $145.6M | 16.5% | 0.51% | vs |
| Philo Exchange BankBank Philo, IL | 76 out of 100, Strong | $156.6M | 10.2% | 0.02% | vs |
| National Bank of St. AnneBank St. Anne, IL | 57 out of 100, Moderate | $143.2M | 9.4% | 1.55% | vs |
Deposit insurance
Is my money safe at The First National Bank of Litchfield?
Yes. The First National Bank of Litchfield is an FDIC-insured institution (FDIC certificate #3807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.4% of deposits ($43.9M) 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 11.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.32% (benchmark: 10%).
2 locations
Branches
The First National Bank of Litchfield lists 1 office in 1 city. Most locations:
- Litchfield, IL (1)
Identity & history
Profile
- Legal name
- The First National Bank of Litchfield
- Type
- National bank
- FDIC certificate #
- 3807
- RSSD ID
- 370347
- Primary regulator
- OCC
- Holding company
- First Montgomery Bcorp Inc
- Established
- January 1, 1860
- Headquarters
- 324 N State St, Litchfield, IL 62056
- Website
- www.fnbl.com
- Employees
- 23
Quick answers
The First National Bank of Litchfield: common questions
Is The First National Bank of Litchfield FDIC insured?
Yes. The First National Bank of Litchfield is an FDIC-insured institution (FDIC certificate #3807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Litchfield's TellerScore?
77 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 Litchfield ever failed?
There is no failure record for FDIC certificate #3807 in the FDIC failed bank list.
How many branches does The First National Bank of Litchfield have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Litchfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Warren-Boynton State BankBank New Berlin, IL | 79 out of 100, Strong | $234.5M | 12.1% | 0.41% | vs |
| The First National Bank of RaymondBank Raymond, IL | 78 out of 100, Strong | $187.1M | 10.9% | 0.42% | vs |
| Taylorville Community Credit UnionCredit union Taylorville, IL | 77 out of 100, Strong | $90.8M | 12.6% | 0.87% | vs |