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The First National Bank Of Sparta
Sparta, IL · FDIC Certificate #3837 · Chartered 10/0
Total assets
$114.58M
Total deposits
$101.09M
Total equity
$12.68M
Net loans
$49.22M
Branches (offices)
1
Net income (YTD)
$1.11M
Rank: #3,574 of 4,213 U.S. banks by assets · #255 of 322 in Illinois. Assets changed 10.2% and deposits 9.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.95% |
| Return on equity | 18.09% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 11.06% |
| Tier 1 leverage ratio | 12.64% |
| Uninsured deposits (share of deposits) | 32.4% |
| Noncurrent loans (share of loans) | 0.56% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 48.7% |
| Real estate loans (share of loans) | 55.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $27.28M | 55.4% | |
| Commercial & industrial | $6.04M | 12.3% | |
| Consumer / individual | $13.00M | 26.4% | |
| Construction & development | $1.57M | 3.2% | |
| Agricultural | $508.00K | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $100.91M | $92.65M | $595.00K | $7.22M |
| Jun 2023 | $99.73M | $91.15M | $689.00K | $7.59M |
| Jun 2024 | $102.50M | $85.14M | $640.00K | $8.82M |
| Jun 2025 | $103.93M | $92.58M | $828.00K | $10.39M |
| Jun 2026 | $114.58M | $101.09M | $1.11M | $12.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $101.09M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $101.09M.
Similar-sized banks
B2 Bank National Association ($114.59M) · Morganton Savings Bank, S.S.B. ($114.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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