Applications / Mortgage Analytics / Lenders / Illinois / 1NB Bank
Carlyle, IL · State member bank · FRS · $307 million assets · 33 loans in 2025
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33
loans originated, 2025
40
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1NB Bank, a small Illinois bank that has reported since 1990, made 33 loans in 2025, 27% more than a year earlier, while similar lenders made fewer.
Its loans rose from 26 to 33. Similar lenders, state member banks making between half and twice as many loans, saw theirs fall 4%; the whole market grew 10%. The rise takes it back to its 2018 level, and its yearly count has stayed between 22 and 36 since then. It took its present name in 2023, having been The First National Bank in Carlyle.
Its typical loan was $115,000, against $195,000 at similar lenders, smaller than at more than four-fifths of them. Home purchases made up 63.6% of its loans. Every loan was conventional, with no government backing. Manufactured homes took 15.2%, but on 33 loans that share rests on a handful of homes.
Low- and moderate-income (LMI) borrowers took 44.0% of its loans, against 23.3% at similar lenders. Its share in LMI neighborhoods was lower, 9.1% against 16.4%, and it made no loans in majority-minority neighborhoods. Its lending is confined to one metro area and seven counties, which limits the neighborhoods it reaches, and on 33 loans each of these shares can swing with a few loans.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 1NB Bank took 40 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.6% · Refinance 18.2% · Home improvement 9.1% · Other 9.1%
Conventional 100.0% · of 33 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 31 | 93.9% |
| Missouri | 2 | 6.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 26 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930000REMJYLBAS614 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 614948 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114268 | 1990–2017 |
Established 1 January 1878. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: 1NB Bank's data.
1NB Bank's data
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