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Overview / Commentary
201 East Main Street
Carmi, IL 62821

First Bank (IL) is headquartered in Carmi and is the 107th largest bank in the state of Illinois. It is also the 1,762nd largest bank in the nation. It was established in 1893 and as of December of 2017, it had grown to 96 employees at 9 locations. First Bank (IL)'s CD rates are 22% higher than the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #3777
Year Established1893
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD8.15%
Annual Interest Income$15.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$395.8MM$403.1MM
LoansQ4 2017vs Q4 2016$299.4MM$289.0MM
DepositsQ4 2017vs Q4 2016$356.9MM$365.2MM
Equity CapitalQ4 2017vs Q4 2016$37.6MM$36.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$4.5MM$3.7MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$112.00K$208.00K
Real Estate OwnedQ4 2017vs Q4 2016$595.00K$400.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Bank (IL) Savings Account Rates

1.02%*$25k*-Health Savings Account
OTHER TIERS: 0.15% Up to $2,500 | 0.25% $2,500 - $10k | 0.76% $10k - $25k
0.30%--Standard IRA
0.30%--Business Standard IRA
0.15%--Regular Savings Account
0.15%--Student Savings Account
0.15%--Business Regular Savings
0.15%--Business Student Savings
0.10%-$2,500Christmas Club Account
0.10%--Business Christmas Club Account

First Bank (IL) Money Market Rates

0.20%*$25k*-Main Street Money Market
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k
0.20%*$25k*-Business Main Street Money Market
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k
0.15%*$10k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $10k
0.15%*$10k*-Business Money Market Account
OTHER TIERS: 0.10% $2,500 - $10k

First Bank (IL) Checking Account Rates

2.22%*$750*$10kYouFirst eChecking
OTHER TIERS: 0.05% $10k+
2.22%*$750*$10kBusiness You First eChecking
OTHER TIERS: 0.05% $10k+
0.15%*$25k*-Main Street Checking
OTHER TIERS: 0.05% $5k - $10k | 0.10% $10k - $25k
0.15%*$25k*-Business Main Street Checking
OTHER TIERS: 0.05% $5k - $10k | 0.10% $10k - $25k
0.05%$2,500-Interest Checking
0.05%$2,500-Business Interest Checking

First Bank (IL) CD Rates

1.81%$500-5 Year CD
1.76%$500-4 Year CD
1.71%$500-2 Year CD
1.61%$500-18 Month CD
1.50%$500-3 Year CD
1.25%$500-Business 5 Year CD
1.10%$500-12 Month CD
1.06%$10k-15 Month CD Special
1.00%$5k-Business 44 Month CD Special
1.00%$500-Business 4 Year CD
0.75%$500-Business 3 Year CD
0.65%$5k-Business 22 Month CD Special
0.50%$500-Business 2 Year CD
0.40%$500-Business 18 Month CD
0.30%$2,500-182 Day CD
0.30%$500-Business 12 Month CD
0.20%$2,500-91 Day CD
0.20%$2,500-Business 182 Day CD
0.12%$2,500-Business 91 Day CD

First Bank (IL) IRA Rates

1.81%$500-5 Year IRA
1.51%$500-3 Year IRA
1.26%$500-Business 5 Year IRA
0.75%$500-Business 3 Year IRA

First Bank (IL) Locations
Grayville Branch102 S Court StGrayville, IL 62844
The First National Bank Of Carmi201 East Main StreetCarmi, IL 62821
Mount Carmel Branch601 Market StreetMount Carmel, IL 62863
West Carmi Branch1200 West Main StreetCarmi, IL 62821
Red Bank Road Evansville In Branch111 South Red Bank RoadEvansville, IN 47712
Princeton Branch2820 W BroadwayPrinceton, IN 47670
Mount Vernon Branch450 Southwind PlazaMount Vernon, IN 47620
Evansville, Indiana Branch7506 Eagle Crest BoulevardEvansville, IN 47715
Poseyville BranchState Route 165 and Frontage RoadPoseyville, IN 47633

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