The First National Bank of Okawville is a national bank headquartered in Okawville, Illinois, in business for about 106 years. At the end of Q2 2026 it reported $66.3M in total assets and $58.7M in deposits, with 1 office.
The First National Bank of Okawville has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 70th. Funding & liquidity contributes the most (100/100, 36% loans-to-deposits, 13% uninsured); earnings contributes the least (42/100, 0.55%).
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 (80 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 75 |
| Q4 2024 | 76 |
| Q1 2025 | 80 |
| Q2 2025 | 80 |
| Q3 2025 | 81 |
| Q4 2025 | 78 |
| Q1 2026 | 78 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.40% |
| Q3 2024 | 11.16% |
| Q4 2024 | 11.76% |
| Q1 2025 | 12.56% |
| Q2 2025 | 12.72% |
| Q3 2025 | 12.87% |
| Q4 2025 | 12.47% |
| Q1 2026 | 11.96% |
| Q2 2026 | 12.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $66.3M | 12.55% | 0.11% | 0.55% | 35.7% |
| Q1 2026 | 78 | $71.4M | 11.96% | 0.11% | 0.52% | 35.7% |
| Q4 2025 | 78 | $67.7M | 12.47% | 0.11% | 0.35% | 37.9% |
| Q3 2025 | 81 | $64.4M | 12.87% | 0.00% | 0.38% | 39.0% |
| Q2 2025 | 80 | $64.2M | 12.72% | 0.00% | 0.31% | 36.5% |
| Q1 2025 | 80 | $66.5M | 12.56% | 0.00% | 0.39% | 38.7% |
| Q4 2024 | 76 | $67.3M | 11.76% | 0.00% | 0.21% | 43.6% |
| Q3 2024 | 75 | $75.2M | 11.16% | 0.00% | 0.27% | 46.3% |
| Q2 2024 | 75 | $72.5M | 11.40% | 0.00% | 0.30% | 38.9% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Elmwood, IL | 33 out of 100, Low | $66.9M | 8.2% | 4.30% | vs |
| 1st Community BankBank Sherrard, IL | 68 out of 100, Moderate | $65.3M | 10.0% | 0.49% | vs |
| State Bank of IndustryBank Industry, IL | 86 out of 100, Very strong | $64.3M | 14.2% | 0.44% | vs |
| Midland Community BankBank Kincaid, IL | 88 out of 100, Very strong | $68.8M | 12.1% | 0.00% | vs |
| North County Savings BankBank Red Bud, IL | 68 out of 100, Moderate | $63.2M | 8.5% | 0.00% | vs |
| GN BankBank Chicago, IL | 53 out of 100, Below average | $59.8M | 16.1% | 13.11% | vs |
Deposit insurance
Is my money safe at The First National Bank of Okawville?
Yes. The First National Bank of Okawville is an FDIC-insured institution (FDIC certificate #3826). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.2% of deposits ($7.8M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.55%, well 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%).
1 location
Branches
The First National Bank of Okawville lists 1 office in 1 city. Most locations:
- Okawville, IL (1)
Identity & history
Profile
- Legal name
- The First National Bank of Okawville
- Type
- National bank
- FDIC certificate #
- 3826
- RSSD ID
- 333940
- Primary regulator
- OCC
- Established
- June 26, 1920
- Headquarters
- 203 E Walnut St, Okawville, IL 62271
- Website
- www.fnbokaw.com
- Employees
- 11
Quick answers
The First National Bank of Okawville: common questions
Is The First National Bank of Okawville FDIC insured?
Yes. The First National Bank of Okawville is an FDIC-insured institution (FDIC certificate #3826). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Okawville's TellerScore?
80 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 Okawville ever failed?
There is no failure record for FDIC certificate #3826 in the FDIC failed bank list.
How many branches does The First National Bank of Okawville have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Okawville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Germantown Trust & Savings BankBank Breese, IL | 87 out of 100, Very strong | $523.6M | 11.6% | 0.13% | vs |
| Nashville Savings BankBank Nashville, IL | 84 out of 100, Strong | $107.9M | 12.9% | 0.00% | vs |
| Bank of O'FallonBank O'Fallon, IL | 81 out of 100, Strong | $377.5M | 13.8% | 0.69% | vs |
| The Old Exchange National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $91.3M | 11.1% | 0.19% | vs |
| The Farmers and Merchants National Bank of NashvilleBank Nashville, IL | 78 out of 100, Strong | $270.3M | 11.6% | 0.61% | vs |
| Farmers State Bank of HoffmanBank Hoffman, IL | 77 out of 100, Strong | $232.1M | 11.9% | 0.17% | vs |