Skip to main content
BDI
FB

The First National Bank of Sparta

Sparta, IllinoisFDIC Cert #3837

OCCEstablished 18851 branch

Holding company: FIRST BCORP OF SPARTA LTDRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
2.27%
−5.0%y/y
Peer standing13th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP3ASSET + LNLSGR
90+ %
0.42%
+7.6%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP9ASSET + LNLSGR
Nonaccrual %
0.18%
+491.6%y/y
Peer standing53rd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNAASSET + LNLSGR
Noncurrent %
0.59%
+42.6%y/y
Peer standing40th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.25%
+23.5%y/y
Peer standing52nd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$287K
+33.5%y/y
Peer standing60th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.21%
+381.7%y/y
Peer standing10th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNTLNLS + LNLSGR
NCO
$24K
+400.0%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.31%
−10.6%y/y
Percentile by value59th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNATRES + LNLSGR
30–89
$1.1M
+6.2%y/y
Peer standing37th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP3ASSET
90+
$201K
+20.4%y/y
Peer standing22nd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP9ASSET
Nonaccrual
$86K
+561.5%y/y
Peer standing63rd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNAASSET