C
The First National Bank of Litchfield
Rating Date
March 2026
Risk Based
Capital Ratio
15.83
Leverage
Ratio
12.04
Return On
Assets
1.24%
Total
Assets
142.83M
Capital
15.91M
Total
Deposits
124.62M
Net
Income
1.72M
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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 8.20
Capitalization Index 10.00
Liquidity Index 0.60
Profitability Index 5.20
Stability Index 3.70
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 12.04%
5-Year Asset Growth 6.72%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 0.97%
Non-Performing Loans to Loans 0.12%
Balance Sheet The First National Bank of Litchfield
Litchfield, IL 		Click to
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Total Assets 142.83M
Total Deposits 124.62M
Capital and Reserves The First National Bank of Litchfield
Litchfield, IL 		Click to
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Capital 15.91M
Leverage Ratio 12.04
Loan Loss Reserves to Loans 1.19%
Risk-Based Capital Ratio 15.83
Liquidity The First National Bank of Litchfield
Litchfield, IL 		Click to
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Hot Money Ratio 28.97%
Liquidity Ratio 11.81%
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 1.72M
Net Interest Spread 3.65%
Operating Profit to Average Assets 1.24%
Overhead Efficiency Ratio 64.46%
Return on Assets 1.24%
Return on Equity 11.54%