The FNB Community Bank (IL)

Overview / Commentary
432 West Gallatin Street
Vandalia, IL 62471

The FNB Community Bank (IL) is headquartered in VANDALIA and is the 104th largest bank in the state of Illinois. It is also the 1,838th largest bank in the nation. It was established in 1865 and as of March of 2024, it had grown to 86 employees at 7 locations. The FNB Community Bank (IL)'s CD rates are 2X the national average, and it has a B health rating.


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Health Grade Components

FDIC Certificate #3840
Year Established1865
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD7.04%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$478.9MM$489.7MM
LoansQ1 2024vs Q1 2023$244.9MM$234.6MM
DepositsQ1 2024vs Q1 2023$411.9MM$434.9MM
Equity CapitalQ1 2024vs Q1 2023$38.1MM$38.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.9MM$2.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$460K$426K
Real Estate OwnedQ1 2024vs Q1 2023$193K$301K
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The FNB Community Bank (IL) Savings Account Rates

2.17%$500-IRA Account
0.25%$1-Christmas Savings Club
0.25%$1-Vacation Savings Club
0.10%$0-Business Savings

The FNB Community Bank (IL) Money Market Rates

0.10%$1k-Money Market

The FNB Community Bank (IL) Checking Account Rates

0.10%$1k-FirstClub Checking

The FNB Community Bank (IL) CD Rates

5.05%$1k-7 Month CD
5.05%$1k-Business 7 Month CD
4.58%$1k-Business 91 Day CD
4.58%$1k-91 Day CD Special
4.49%$1k-14 Month CD Special
4.49%$0-Business 14 Month CD Special
4.27%$1k-9 Month CD Special
4.27%$1k-Business 9 Month CD Special
3.82%$1k-20 Month CD Special
3.82%$1k-Business 20 Month CD Special
2.78%$1k-36 Month CD
2.78%$1k-Business 36 Month CD
2.45%$1k-24 Month CD
2.45%$1k-Business 24 Month CD
2.27%$1k-48 Month CD
2.27%$1k-18 Month CD
2.27%$1k-Business 18 Month CD
2.27%$1k-Business 48 Month CD
2.17%$1k-12 Month CD
2.17%$1k-Business 12 Month CD
2.11%$1k-182 Day CD
2.11%$1k-Business 182 Day CD
2.02%$1k-60 Month CD
2.02%$5k-Business 91-Day Peace of Mind CD
2.02%$1k-Business 60 Month CD
0.15%$5k-91-Day Peace of Mind CD
0.10%$1k-31 Day CD
0.10%$1k-Business 31 Day CD

The FNB Community Bank (IL) Locations
Mulberry Grove Branch102 Maple StreetMulberry Grove, IL 62262
Greenville Branch1310 East City Route 40Greenville, IL 62246
Vandalia Branch1420 North 8th StreetVandalia, IL 62471
Ramsey Branch227 South Superior StreetRamsey, IL 62080
Banker Blvd Branch311 Banker BlvdVandalia, IL 62471
The First National Bank432 W Gallatin StVandalia, IL 62471
Patoka Branch209 South Railroad StreetPatoka, IL 62875

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