C
The First National Bank of Litchfield
Rating Date
October 2025
Risk Based
Capital Ratio
16.76
Leverage
Ratio
12.13
Return On
Assets
1.19%
Total
Assets
136.87M
Capital
15.39M
Total
Deposits
119.16M
Net
Income
1.23M
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Weiss Ratings The First National Bank of Litchfield
Litchfield, IL 		Click to
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Rating C
Asset Quality Index 8.30
Capitalization Index 10.00
Liquidity Index 1.00
Profitability Index 5.10
Stability Index 4.30
Company Info The First National Bank of Litchfield
Litchfield, IL 		Click to
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FDIC Number 3807
Phone Number (217) 324-2105
Website www.fnbill.com
Asset Quality The First National Bank of Litchfield
Litchfield, IL 		Click to
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1-Year Asset Growth 8.44%
5-Year Asset Growth 5.25%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 1.05%
Non-Performing Loans to Loans 0.13%
Balance Sheet The First National Bank of Litchfield
Litchfield, IL 		Click to
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Total Assets 136.87M
Total Deposits 119.16M
Capital and Reserves The First National Bank of Litchfield
Litchfield, IL 		Click to
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Capital 15.39M
Leverage Ratio 12.13
Loan Loss Reserves to Loans 1.30%
Risk-Based Capital Ratio 16.76
Liquidity The First National Bank of Litchfield
Litchfield, IL 		Click to
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Hot Money Ratio 28.30%
Liquidity Ratio 14.25%
Profitability The First National Bank of Litchfield
Litchfield, IL 		Click to
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5-Year Return on Average Assets 1.15%
Net Income 1.23M
Net Interest Spread 3.62%
Operating Profit to Average Assets 1.19%
Overhead Efficiency Ratio 65.24%
Return on Assets 1.19%
Return on Equity 11.19%