Total Assets
$622.2M
Total Deposits
$545.5M
Branches
12
Established
1893
The First National Bank of Carmi is a bank headquartered in Carmi, Illinois, established in 1893. It holds $622.2M in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The First National Bank of Carmi earns a TFS Financial Health Grade of B+ (83.4/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
83.4 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The First National Bank of CarmiHQ | 201 E Main St | Carmi | IL | 11 |
| The First National Bank of Carmi | 1206 West Main Street | Carmi | IL | 23 |
| The First National Bank of Carmi | 102 S Court St | Grayville | IL | 11 |
| The First National Bank of Carmi | 2201 James St | Lawrenceville | IL | 11 |
| The First National Bank of Carmi | 601 N Market St | Mount Carmel | IL | 11 |
| The First National Bank of Carmi | 111 S Red Bank Rd | Evansville | IN | 11 |
| The First National Bank of Carmi | 7500 Eagle Crest Blvd | Evansville | IN | 11 |
| The First National Bank of Carmi | 101 E State Road 68 | Haubstadt | IN | 11 |
| The First National Bank of Carmi | 450 Southwind Plz | Mount Vernon | IN | 11 |
| The First National Bank of Carmi | State Route 165 And Frontage Road | Poseyville | IN | 11 |
| The First National Bank of Carmi | 2820 W Broadway St | Princeton | IN | 11 |
| The First National Bank of Carmi | 1231 Hart St | Vincennes | IN | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
83.4
Tier 1 capital ratio
11.42%
Return on assets
1.19%
Non-performing loans
0.35%
Efficiency ratio
64.53%
Asset growth (YoY)
4.69%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.