The First National Bank of Sparta is a national bank headquartered in Sparta, Illinois, in business for about 141 years. At the end of Q2 2026 it reported $114.6M in total assets and $101.1M in deposits, with 1 office.
The First National Bank of Sparta has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 42nd. Earnings contributes the most (98/100, 1.95%); capital cushion contributes the least (76/100, 12.64%).
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 (85 → 84).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 75 |
| Q4 2024 | 78 |
| Q1 2025 | 85 |
| Q2 2025 | 85 |
| Q3 2025 | 84 |
| Q4 2025 | 85 |
| Q1 2026 | 81 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.35% |
| Q3 2024 | 12.64% |
| Q4 2024 | 12.60% |
| Q1 2025 | 12.79% |
| Q2 2025 | 13.03% |
| Q3 2025 | 13.24% |
| Q4 2025 | 12.83% |
| Q1 2026 | 12.50% |
| Q2 2026 | 12.64% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.99% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.62% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.56% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.22% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.77% |
| Q2 2025 | 1.59% |
| Q3 2025 | 1.54% |
| Q4 2025 | 2.31% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $114.6M | 12.64% | 0.56% | 1.95% | 48.7% |
| Q1 2026 | 81 | $114.2M | 12.50% | 0.59% | 1.61% | 47.0% |
| Q4 2025 | 85 | $112.1M | 12.83% | 0.62% | 2.31% | 47.8% |
| Q3 2025 | 84 | $108.8M | 13.24% | 0.59% | 1.54% | 46.3% |
| Q2 2025 | 85 | $103.9M | 13.03% | 0.39% | 1.59% | 47.3% |
| Q1 2025 | 85 | $105.6M | 12.79% | 0.42% | 1.77% | 44.9% |
| Q4 2024 | 78 | $103.1M | 12.60% | 0.50% | 1.18% | 46.3% |
| Q3 2024 | 75 | $102.3M | 12.64% | 0.99% | 1.27% | 49.1% |
| Q2 2024 | 75 | $102.5M | 12.35% | 0.83% | 1.22% | 49.3% |
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 |
|---|---|---|---|---|---|
| The State Bank of GenevaBank Geneva, IL | 75 out of 100, Strong | $116.2M | 11.8% | 0.16% | vs |
| Exchange State BankBank Lanark, IL | 83 out of 100, Strong | $112.7M | 11.5% | 0.05% | vs |
| First State Bank of Beecher CityBank Beecher City, IL | 88 out of 100, Very strong | $112.2M | 16.0% | 0.81% | vs |
| Central Savings, f.s.b.Bank Chicago, IL | 75 out of 100, Strong | $111.9M | 25.5% | 0.57% | vs |
| Anna State BankBank Anna, IL | 81 out of 100, Strong | $111.6M | 12.5% | 0.02% | vs |
| Collinsville Building and Loan AssociationBank Collinsville, IL | 78 out of 100, Strong | $117.6M | 29.5% | 0.10% | vs |
Deposit insurance
Is my money safe at The First National Bank of Sparta?
Yes. The First National Bank of Sparta is an FDIC-insured institution (FDIC certificate #3837). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.4% of deposits ($32.7M) 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 12.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.98% (benchmark: 10%).
1 location
Branches
The First National Bank of Sparta lists 1 office in 1 city. Most locations:
- Sparta, IL (1)
Identity & history
Profile
- Legal name
- The First National Bank of Sparta
- Type
- National bank
- FDIC certificate #
- 3837
- RSSD ID
- 246947
- Primary regulator
- OCC
- Holding company
- First Bcorp of Sparta Ltd
- Established
- October 2, 1885
- Headquarters
- 101 W Broadway St, Sparta, IL 62286
- Website
- www.fnbsparta.com
- Employees
- 21
Quick answers
The First National Bank of Sparta: common questions
Is The First National Bank of Sparta FDIC insured?
Yes. The First National Bank of Sparta is an FDIC-insured institution (FDIC certificate #3837). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Sparta's TellerScore?
84 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 Sparta ever failed?
There is no failure record for FDIC certificate #3837 in the FDIC failed bank list.
How many branches does The First National Bank of Sparta have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sparta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of SteelevilleBank Steeleville, IL | 90 out of 100, Very strong | $274.5M | 13.5% | 0.44% | vs |
| The First National Bank of AvaBank Ava, IL | 84 out of 100, Strong | $78.3M | 12.8% | 0.07% | vs |
| Nashville Savings BankBank Nashville, IL | 84 out of 100, Strong | $107.9M | 12.9% | 0.00% | vs |
| The Farmers and Merchants National Bank of NashvilleBank Nashville, IL | 78 out of 100, Strong | $270.3M | 11.6% | 0.61% | vs |
| Buena Vista National BankBank Chester, IL | 77 out of 100, Strong | $344.0M | 11.1% | 0.36% | vs |
| First State Bank of Campbell HillBank Campbell Hill, IL | 76 out of 100, Strong | $160.1M | 13.8% | 1.59% | vs |