The First National Bank of Raymond is a national bank headquartered in Raymond, Illinois, in business for about 123 years. At the end of Q2 2026 it reported $187.1M in total assets and $172.3M in deposits, with 5 offices.
Based on its Q2 2026 filing, The First National Bank of Raymond scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 82nd. Its strongest component is funding & liquidity (95/100; 47% loans-to-deposits, 20% uninsured), and its lowest is capital cushion (59/100; 10.91%).
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 7 points (71 → 78), mostly because the loan quality component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 67 |
| Q4 2024 | 70 |
| Q1 2025 | 72 |
| Q2 2025 | 71 |
| Q3 2025 | 75 |
| Q4 2025 | 76 |
| Q1 2026 | 78 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.16% |
| Q3 2024 | 11.38% |
| Q4 2024 | 11.23% |
| Q1 2025 | 10.63% |
| Q2 2025 | 10.77% |
| Q3 2025 | 10.79% |
| Q4 2025 | 10.91% |
| Q1 2026 | 10.94% |
| Q2 2026 | 10.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.19% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.72% |
| Q4 2024 | 0.76% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.12% |
| Q1 2026 | 1.42% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $187.1M | 10.91% | 0.42% | 1.33% | 47.4% |
| Q1 2026 | 78 | $184.7M | 10.94% | 0.44% | 1.42% | 53.9% |
| Q4 2025 | 76 | $179.7M | 10.91% | 0.46% | 1.12% | 54.8% |
| Q3 2025 | 75 | $181.8M | 10.79% | 0.51% | 1.14% | 48.0% |
| Q2 2025 | 71 | $178.8M | 10.77% | 0.82% | 1.10% | 47.4% |
| Q1 2025 | 72 | $175.2M | 10.63% | 0.73% | 1.09% | 54.3% |
| Q4 2024 | 70 | $174.4M | 11.23% | 0.88% | 0.76% | 55.3% |
| Q3 2024 | 67 | $173.5M | 11.38% | 1.19% | 0.72% | 52.1% |
| Q2 2024 | 68 | $171.9M | 11.16% | 1.09% | 0.72% | 52.3% |
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 |
|---|---|---|---|---|---|
| Prairie Community BankBank Marengo, IL | 39 out of 100, Low | $187.5M | 8.8% | 2.82% | vs |
| The First National Bank in TremontBank Tremont, IL | 67 out of 100, Moderate | $187.6M | 9.9% | 0.66% | vs |
| State Bank of BementBank Bement, IL | 67 out of 100, Moderate | $185.6M | 10.2% | 0.54% | vs |
| Jersey State BankBank Jerseyville, IL | 75 out of 100, Strong | $190.1M | 13.3% | 1.18% | vs |
| First State Bank Shannon-PoloBank Shannon, IL | 51 out of 100, Below average | $190.5M | 10.3% | 2.64% | vs |
| La Salle State BankBank La Salle, IL | 68 out of 100, Moderate | $183.2M | 8.9% | 0.16% | vs |
Deposit insurance
Is my money safe at The First National Bank of Raymond?
Yes. The First National Bank of Raymond is an FDIC-insured institution (FDIC certificate #3830). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.7% of deposits ($34.0M) 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 10.91%, 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%).
5 locations
Branches
The First National Bank of Raymond lists 5 offices in 5 cities. Most locations:
- Girard, IL (1)
- Morrisonville, IL (1)
- Pawnee, IL (1)
- Raymond, IL (1)
- Virden, IL (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of Raymond reported 35 home-loan applications under HMDA (LEI 549300ZK7EAZ7CRGCU94): 30 originated ($2,510,000 total), 5 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The First National Bank of Raymond
- Type
- National bank
- FDIC certificate #
- 3830
- RSSD ID
- 421445
- Primary regulator
- OCC
- Holding company
- Raymond Bcorp Inc
- Established
- October 1, 1903
- Headquarters
- 403 E Broad St, Raymond, IL 62560
- Website
- www.fnbraymond.com
- Employees
- 37
Quick answers
The First National Bank of Raymond: common questions
Is The First National Bank of Raymond FDIC insured?
Yes. The First National Bank of Raymond is an FDIC-insured institution (FDIC certificate #3830). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Raymond'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 Raymond ever failed?
There is no failure record for FDIC certificate #3830 in the FDIC failed bank list.
How many branches does The First National Bank of Raymond have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Raymond
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank in TaylorvilleBank Taylorville, IL | 92 out of 100, Very strong | $200.1M | 14.4% | 0.00% | vs |
| Midland Community BankBank Kincaid, IL | 88 out of 100, Very strong | $68.8M | 12.1% | 0.00% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| First National Bank of PanaBank Pana, IL | 78 out of 100, Strong | $394.8M | 10.5% | 0.07% | vs |
| The First National Bank of LitchfieldBank Litchfield, IL | 77 out of 100, Strong | $150.4M | 11.5% | 0.13% | vs |