First National Bank of Waterloo

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.46%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.35%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.30%	Savings	FNB First Savings 1.00% - Ally Bank Online Savings Account

View all First National Bank of Waterloo rates »

Overview / Commentary

www.fnbwaterloo.com

618-939-6194

228 South Main Street
Waterloo, IL 62298

First National Bank of Waterloo is headquartered in Waterloo and is the 155^th largest bank in the state of Illinois. It is also the 2,078^th largest bank in the nation. It was established in 1912 and as of September of 2003, it had grown to 74 employees at 4 locations. First National Bank of Waterloo has a B+ health rating.

Reviews (1)

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Must Open Your Account Locally

Posted by: Anon456 | Jun 19, 2013

Their procedures call for in person account opening at the bank.

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2

Health

B+

Data as of Q3 2003

Learn more about bank health

Health Grade Components

Overall
FDIC Certificate #	3842
Year Established	1912
Employees	74
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.97%
Return on Equity - YTD	12.59%
Annual Interest Income	$9.4MM

Assets and Liabilities
Assets	Q3 2003vs Q3 2002	$268.4MM$239.7MM
Loans	Q3 2003vs Q3 2002	$145.2MM$137.8MM
Deposits	Q3 2003vs Q3 2002	$219.4MM$191.6MM
Equity Capital	Q3 2003vs Q3 2002	$20.5MM$19.0MM
Loan Loss Allowance	Q3 2003vs Q3 2002	$792.00K$898.00K
Unbacked Noncurrent Loans	Q3 2003vs Q3 2002	$972.00K$922.00K
Real Estate Owned	Q3 2003vs Q3 2002	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of Waterloo Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$50	-	FNB First Savings
0.30%	-	-	Health Savings Account

First National Bank of Waterloo Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$50k^*	-	FNB Premier MMA
OTHER TIERS: 0.20% → Up to $10k \| 0.25% → $10k - $25k \| 0.30% → $25k - $50k

First National Bank of Waterloo Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$25k^*	-	Value Plus Checking
OTHER TIERS: 0.10% → Up to $2k \| 0.15% → $2k - $10k \| 0.25% → $10k - $25k
0.30%	$100	-	Classic 55 Checking
0.20%	$100	-	FNB Business Check Plus

First National Bank of Waterloo CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.46%	$1k	-	60 Month CD
1.21%	$1k	-	48 Month CD
0.90%	$10k	-	34 Month CD Special
0.85%	$1k	-	36 Month CD
0.60%	$1k	-	24 Month CD
0.40%	$10k	-	15 Month CD Special
0.35%	$1k	-	12 Month CD
0.25%	$1k	-	6 Month CD
0.15%	$1k	-	3 Month CD

First National Bank of Waterloo IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.46%	$1k	-	60 Month IRA
1.41%	$250	-	18 Month Variable IRA
1.21%	$1k	-	48 Month IRA
0.90%	$10k	-	34 Month IRA Special
0.85%	$1k	-	36 Month IRA
0.60%	$1k	-	24 Month IRA
0.40%	$10k	-	15 Month IRA Special
0.35%	$1k	-	12 Month IRA
0.25%	$1k	-	6 Month IRA
0.15%	$1k	-	3 Month IRA

Locations

First National Bank of Waterloo Locations
O'fallon Banking Center Branch	104 Regency Park Drive	O Fallon, IL 62269
Columbia Branch	1421 North Main Street	Columbia, IL 62236
First National Bank Of Waterloo	228 South Main Street	Waterloo, IL 62298
Millstadt Branch	645 East Washington Street	Millstadt, IL 62260
North Facility	744 North Market	Waterloo, IL 62298
Waterloo Wal-Mart Bkg. Center Branch	961 North Market Street	Waterloo, IL 62298
First National Bank Schnucks Banking	907 East Us 50	O Fallon, IL 62269
Effingham Branch	210 East Fayette Avenue	Effingham, IL 62401
Prairie National Bank	110 East Main Street	Stewardson, IL 62463