First National Bank of Waterloo

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.46%	5-year CD	2.23% - National Average
0.35%	1-year CD	2.65% - Barclays 12 Month Online CD
0.30%	Savings	2.10% - American Express National Bank High Yield 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 88^th largest bank in the state of Illinois. It is also the 1,521^st largest bank in the nation. It was established in 1912 and as of September of 2018, it had grown to 106 employees at 10 locations. First National Bank of Waterloo has an A health rating.

Reviews (2)

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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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Bank Elsewhere

Posted by: mooreja | Jun 19, 2017

I strongly encourage anyone considering a bank to go anywhere but First National Bank of Waterloo. I would also encourage anyone banking with First National Bank of Waterloo to understand their ignorant and/or malicious policies. We recently had an unexpected family death. The spouse of the deceased was not notified of any account changes. First National Bank of Waterloo allowed money to go out of the account and did not allow money to go in. Again money was allowed out to pay bills but deposits were not allowed to come in. The spouse's own direct deposit from her current employer was denied deposit. On top of all of this, they never contacted her. They also took it upon themselves to deny social security without a death certificate. She found this out while looking at her online banking. When she went to the bank to discuss the issue, the First National Bank of Waterloo had the nerve to say they were trying to protect her. Yes, protect her, by not allowing any deposits, allowing money to be taken out and by not notifying her of their brilliant safeguards. Words cannot express my disappointment in First National Bank of Waterloo and their policies. I pray that anyone facing a similar tragedy does not have to experience this unnecessary stress.

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Health

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3842
Year Established	1912
Employees	106
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	5.21%
Annual Interest Income	$11.9MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$465.6MM$463.6MM
Loans	Q3 2018vs Q3 2017	$241.8MM$225.1MM
Deposits	Q3 2018vs Q3 2017	$398.8MM$395.9MM
Equity Capital	Q3 2018vs Q3 2017	$49.7MM$50.6MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$3.0MM$2.6MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$1.6MM$903.00K
Real Estate Owned	Q3 2018vs Q3 2017	$1.4MM$2.3MM

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%	$50	-	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^*	-	Check Plus Checking
OTHER TIERS: 0.10% → Up to $2k \| 0.15% → $2k - $10k \| 0.25% → $10k - $25k
0.30%	-	-	Classic 55 Checking
0.20%	$100	-	FNB Business Check Plus
0.20%	$100	-	FNB Non-Personal Check Plus

First National Bank of Waterloo CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.66%	$2.5k	-	17 Month CD Special
1.46%	$1k	-	60 Month CD
1.21%	$1k	-	48 Month CD
1.00%	$10k	-	34 Month CD
0.85%	$1k	-	36 Month CD
0.60%	$1k	-	24 Month CD
0.50%	$10k	-	15 Month CD
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	VIEW DETAILS
2.78%	$250	-	18 Month Variable IRA

Locations

Cities: Columbia, Dupo, Effingham, Millstadt, O Fallon, Stewardson, Waterloo

Columbia Branches
Columbia Branch	1421 North Main Street	Columbia, IL 62236

Dupo Branches
Dupo Banking Center Branch	107 North Second Street	Dupo, IL 62239

Effingham Branches
Effingham Branch	210 East Fayette Avenue	Effingham, IL 62401

Millstadt Branches
Millstadt Branch	645 East Washington Street	Millstadt, IL 62260

O Fallon Branches
O'fallon Banking Center Branch	104 Regency Park Drive	O Fallon, IL 62269
First National Bank Schnucks Banking	907 East Us 50	O Fallon, IL 62269

Stewardson Branches
Prairie National Bank	110 East Main Street	Stewardson, IL 62463

Waterloo Branches
First National Bank Of Waterloo	228 South Main Street	Waterloo, IL 62298
North Facility	744 North Market	Waterloo, IL 62298
Waterloo Wal-Mart Bkg. Center Branch	961 North Market Street	Waterloo, IL 62298

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