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 The First National Bank of Carmi
The First National Bank of Carmi
| RSSD ID 209148 | CERTIFICATE 3777 | ABA NUMBER 81205222 |
| 201 E Main St |
Quarter Ended : |
2025-12-31 |
| Carmi, Illinois, 62821 |
Updated : |
2026-01-27 |
| www.myfirst.bank |
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| Institution Profile |
| Year Opened : |
1893 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
12 |
Number of Employees : |
105 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 602,993 |
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Total Interest Income | 33,070 |
| Total Liabilities | 529,851 |
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Total NonInterest Income | 3,357 |
| Total Bank Equity Capital | 73,142 |
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Total Interest Expense | 8,593 |
| Total Deposits | 527,106 |
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Total NonInterest Expense | 17,735 |
| Net Loans & Leases | 436,813 |
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Net Income | 7,096 |
| Loan Loss Allowance | 5,532 |
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Net Charge Offs | 892 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 73,309 |
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Total loans | 443,091 |
| Total assets for the leverage ratio | 597,139 |
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Loans secured by real estate: | 307,965 |
| Tier 1 Leverage Ratio | 11.33 |
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Commercial and industrial loans | 95,699 |
| Tier 1 Capital Ratio | 14.61 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.83 |
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Loans to individuals - Other | 2,595 |
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:· The First National Bank of Carmi
