TellerScore

The Fisher National Bank is a national bank headquartered in Fisher, Illinois, in business for about 71 years. At the end of Q2 2026 it reported $375.5M in total assets and $326.2M in deposits, with 6 offices.

The Fisher National Bank has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 257th. Earnings contributes the most (85/100, 1.62%); capital cushion contributes the least (40/100, 9.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.00%
Loan quality56/100
Noncurrent loans ÷ total loans: 1.31%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 86.6% · 31.2% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.36%

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 fell 9 points (68 → 59), mostly because the loan quality component weakened by 26 points.

TellerScore
596469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202468
Q1 202569
Q2 202568
Q3 202569
Q4 202567
Q1 202669
Q2 202659
Tier 1 leverage ratio
5.00%7.22%9.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.01%
Q3 20248.97%
Q4 20249.25%
Q1 20259.45%
Q2 20259.27%
Q3 20259.27%
Q4 20259.20%
Q1 20269.36%
Q2 20269.00%
Noncurrent loans
0.32%0.82%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.37%
Q3 20240.48%
Q4 20240.32%
Q1 20250.42%
Q2 20250.53%
Q3 20250.33%
Q4 20250.58%
Q1 20260.58%
Q2 20261.31%
Return on assets
1.28%1.45%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.43%
Q3 20241.35%
Q4 20241.28%
Q1 20251.49%
Q2 20251.57%
Q3 20251.51%
Q4 20251.58%
Q1 20261.63%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$375.5M9.00%1.31%1.62%86.6%
Q1 202669$369.3M9.36%0.58%1.63%85.4%
Q4 202567$364.1M9.20%0.58%1.58%87.4%
Q3 202569$365.4M9.27%0.33%1.51%86.1%
Q2 202568$347.5M9.27%0.53%1.57%88.8%
Q1 202569$335.4M9.45%0.42%1.49%89.5%
Q4 202468$336.8M9.25%0.32%1.28%88.2%
Q3 202467$346.4M8.97%0.48%1.35%83.8%
Q2 202468$342.7M9.01%0.37%1.43%85.9%

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).

Capital ratio9.00%
12th
Total risk-based capital0.00%
24th
Problem loans1.31%
21st
Net charge-offs0.08%
22nd
Return on assets1.62%
72nd
Net interest margin4.10%
59th
Efficiency ratio59.2%
60th
Loans to deposits86.6%
34th
Uninsured deposits31.2%
25th
Loan-loss reserves0.87%
16th
Texas ratio10.4%
17th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Bank of Kankakee CountyBank Bourbonnais, IL66 out of 100, Moderate$375.6M7.7%0.32%vs
Bank of O'FallonBank O'Fallon, IL81 out of 100, Strong$377.5M13.8%0.69%vs
Municipal Trust and Savings BankBank Bourbonnais, IL95 out of 100, Very strong$382.2M15.6%0.04%vs
Byron BankBank Byron, IL69 out of 100, Moderate$384.4M10.2%1.28%vs
Shelby County State BankBank Shelbyville, IL76 out of 100, Strong$363.2M10.4%0.31%vs
First National Bank & Trust CompanyBank Clinton, IL53 out of 100, Below average$388.1M7.8%0.88%vs

Deposit insurance

Is my money safe at The Fisher National Bank?

Yes. The Fisher National Bank is an FDIC-insured institution (FDIC certificate #17513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.2% of deposits ($101.9M) 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 9.00%, 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%).

Check how much of your own balance is covered

6 locations

Branches

The Fisher National Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Fisher National Bank reported 349 home-loan applications under HMDA (LEI 5493004LTLRA7Y5L3696): 312 originated ($59,680,000 total), 8 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, 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 Fisher National Bank
Type
National bank
FDIC certificate #
17513
RSSD ID
739832
Primary regulator
OCC
Holding company
Fisher Bcorp Inc
Established
November 18, 1955
Headquarters
102 E Division St, Fisher, IL 61843
Employees
66

Quick answers

The Fisher National Bank: common questions

Is The Fisher National Bank FDIC insured?

Yes. The Fisher National Bank is an FDIC-insured institution (FDIC certificate #17513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Fisher National Bank's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Fisher National Bank ever failed?

There is no failure record for FDIC certificate #17513 in the FDIC failed bank list.

How many branches does The Fisher National Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fisher

InstitutionScoreAssetsCapitalProblem loansCompare
Community Plus Federal Credit UnionCredit union Rantoul, IL90 out of 100, Very strong$28.1M18.4%0.51%vs
First Federal Savings Bank of Champaign UrbanaBank Champaign, IL90 out of 100, Very strong$192.5M12.7%0.09%vs
Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL86 out of 100, Very strong$1.2M55.5%0.16%vs
BankChampaign, National AssociationBank Champaign, IL84 out of 100, Strong$242.8M11.8%0.00%vs
Frederick Community Bank, TheBank Paxton, IL84 out of 100, Strong$196.1M10.4%0.00%vs
Anchor State BankBank Anchor, IL84 out of 100, Strong$73.5M12.6%0.00%vs