B
FNBC Bank and Trust
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings FNBC Bank and Trust
La Grange, IL
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Rating B
Asset Quality Index 9.20
Capitalization Index 8.30
Liquidity Index 4.10
Profitability Index 3.60
Stability Index 5.60
Company Info FNBC Bank and Trust
La Grange, IL
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FDIC Number 11306
Phone Number (708) 482-7700
Website www.fnbcbt.com
Asset Quality FNBC Bank and Trust
La Grange, IL
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1-Year Asset Growth 1.05%
5-Year Asset Growth 1.70%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet FNBC Bank and Trust
La Grange, IL
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Total Assets 573.82M
Total Deposits 518.10M
Capital and Reserves FNBC Bank and Trust
La Grange, IL
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Capital 52.70M
Leverage Ratio 9.89
Loan Loss Reserves to Loans 1.19%
Risk-Based Capital Ratio 19.84
Liquidity FNBC Bank and Trust
La Grange, IL
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Hot Money Ratio 12.26%
Liquidity Ratio 43.89%
Profitability FNBC Bank and Trust
La Grange, IL
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5-Year Return on Average Assets 0.70%
Net Income 2.87M
Net Interest Spread 2.78%
Operating Profit to Average Assets 0.86%
Overhead Efficiency Ratio 75.94%
Return on Assets 0.66%
Return on Equity 7.58%