Where is The First National Bank of Carmi located?

The First National Bank of Carmi is located at 201 E Main St, Carmi, IL 62821.

How can I contact The First National Bank of Carmi?

You can contact The First National Bank of Carmi by phone at +1 (800) 538-3979 or email at customerservice@myfirst.bank.

The First National Bank of Carmi

About

Community bank serving Southeast Illinois and Southwest Indiana since 1893, offering personal, business, and agricultural banking services across 12 branches.

1893

Founded

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of December 31, 2025

SBA Acquisition Loan Activity

Last 12 Months

1

Last 3 Years

5

YoY Growth

-50.0%

low activity

Loan Size Distribution

As Of December 31, 2025

Median

$689K

Average

$579K

Top Industries Served

Industries with highest loan volume

1

NAICS

loans

$NaN

avg. amount

1

NAICS

Loans

Avg. Amount

$NaN

2

NAICS

loans

$NaN

avg. amount

2

NAICS

Loans

Avg. Amount

$NaN

3

NAICS

loans

$NaN

avg. amount

3

NAICS

Loans

Avg. Amount

$NaN

4

NAICS

loans

$NaN

avg. amount

4

NAICS

Loans

Avg. Amount

$NaN

5

NAICS

loans

$NaN

avg. amount

5

NAICS

Loans

Avg. Amount

$NaN

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + 1.25%

Typical Range:Prime + 1.00% - 1.50%

Min / Max:Prime + 0.75% / 2.25%

Market Comparison

This Lender

Prime + 1.25%

Market Average

Prime + 1.88%

63 bps better market

Default Rate & Risk Profile

As Of December 31, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

low

Performance Ranking

0th

Lower is better among all lenders

Geographic Loan Distribution

As Of December 31, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High