Is First Nb of Sparta Safe?
First Nb of Sparta has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (69/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 27.24% | 100/100 |
| Nonperforming Loan Ratio | 0.83% | 83/100 |
| Liquidity Ratio | 53.50% | 100/100 |
| Return on Assets | 1.24% | 69/100 |
| Total Assets | $0.1B | |
How does First Nb of Sparta compare?
With a Bank Health Score of 92/100, First Nb of Sparta sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, First Nb of Sparta ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 27.24% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.83% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Nb of Sparta's Bank Health Score improved by 2.0 points to 92/100. Tier 1 capital strengthened by 0.70 percentage points to 27.24%. Quarter-over-quarter, the score rose by 1.0 points.
First Nb of Sparta has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (69/100).