First Nb in Pinckneyville
Pinckneyville, Illinois · FDIC Cert #13813
First Nb in Pinckneyville is an FDIC-insured bank (Certificate #13813) with $136M in total assets and $123M in total deposits as of the Q2 2024 Call Report. Headquartered in Pinckneyville, Illinois, the bank maintains a Tier 1 capital ratio of 24.85% (Well-Capitalized) and a nonperforming loan ratio of 1.15%. BankHealthData assigns a composite Health Grade of A (90/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb in Pinckneyville (FDIC cert 13813) is a community bank — $136M in total assets, $123M in deposits, serving the Pinckneyville, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 24.85% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.15% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 54.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.20% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. First Nb in Pinckneyville carries a composite BankHealth grade of A (90/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb in Pinckneyville
- Total Assets
- $136M
- Total Deposits
- $123M
- Tier 1 Capital Ratio
- 24.85%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.15%
- Liquidity Ratio
- 54.36%
- Return on Assets
- 1.20%
- Headquarters
- Pinckneyville, Illinois
- FDIC Certificate
- #13813
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb in Pinckneyville holds a Tier 1 capital ratio of 24.85%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb in Pinckneyville has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb in Pinckneyville shows strong financial health indicators. With $136M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb in Pinckneyville Compares
First Nb in Pinckneyville’s Health Score of 90 is 18 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 24.85% Tier 1 capital ratio is 10.8 points above the US banking industry average near 14%. The 1.15% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.20% is in line with or above the national ROA benchmark of ~1.1%. Among 1304 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, First Nb in Pinckneyville is 20 points above the portfolio average of 70.
Frequently Asked Questions
First Nb in Pinckneyville has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 24.85%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb in Pinckneyville's Tier 1 capital ratio of 24.85% and nonperforming loan ratio of 1.15% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb in Pinckneyville is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #13813). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb in Pinckneyville holds $136M in total assets and $123M in total deposits. It is headquartered in Pinckneyville, Illinois (FDIC Certificate #13813).
First Nb in Pinckneyville has a Tier 1 capital ratio of 24.85%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.15%, and the return on assets is 1.20%.
Yes. First Nb in Pinckneyville is FDIC-insured (Certificate #13813). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb in Pinckneyville's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.