The FNB Community Bank (IL)

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.thefnb.com

618-283-1141

432 West Gallatin Street
Vandalia, IL 62471

The FNB Community Bank (IL) is headquartered in VANDALIA and is the 110^th largest bank in the state of Illinois. It is also the 1,862^nd largest bank in the nation. It was established in 1865 and as of March of 2025, it had grown to 87 employees at 7 locations. The FNB Community Bank (IL)'s CD rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3840
Year Established	1865
Employees	87
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.62%
Return on Equity - YTD	7.15%
Annual Interest Income	$5.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$474.8MM$478.9MM
Loans	Q1 2025vs Q1 2024	$260.5MM$244.9MM
Deposits	Q1 2025vs Q1 2024	$426.7MM$411.9MM
Equity Capital	Q1 2025vs Q1 2024	$41.7MM$38.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.1MM$2.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$344K$460K
Real Estate Owned	Q1 2025vs Q1 2024	$94K$193K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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The FNB Community Bank (IL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%	$1	-	Christmas Savings Club
1.01%	$1	-	Vacation Savings Club
0.10%	$0	-	Savings
0.10%	$0	-	Business Savings

The FNB Community Bank (IL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$1k	-	Money Market

The FNB Community Bank (IL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$500	-	FirstClub Checking

The FNB Community Bank (IL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.27%	$1k	-	Business 91 Day CD
4.27%	$1k	-	91 Day CD Special
4.07%	$1k	-	Business 9 Month CD
4.07%	$1k	-	9 Month CD Special
3.97%	$1k	-	14 Month CD Special
3.97%	$1k	-	Business 14 Month CD Special
3.82%	$1k	-	20 Month CD Special
3.82%	$1k	-	Business 20 Month CD Special
3.78%	$1k	-	7 Month CD Special
3.78%	$1k	-	Business 7 Month CD Special
2.78%	$1k	-	36 Month CD
2.78%	$1k	-	Business 36 Month CD
2.46%	$1k	-	24 Month CD
2.46%	$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%	$1k	-	Business 60 Month CD
0.15%	$5k	-	91-Day Peace of Mind CD
0.15%	$5k	-	Business 91-Day Peace of Mind CD
0.10%	$1k	-	31 Day CD
0.10%	$1k	-	Business 31 Day CD

The FNB Community Bank (IL) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.17%	$500	-	IRA Account

Locations

The FNB Community Bank (IL) Locations
Mulberry Grove Branch	102 Maple Street	Mulberry Grove, IL 62262
Greenville Branch	1310 East City Route 40	Greenville, IL 62246
Vandalia Branch	1420 North 8th Street	Vandalia, IL 62471
Ramsey Branch	227 South Superior Street	Ramsey, IL 62080
Banker Blvd Branch	311 Banker Blvd	Vandalia, IL 62471
The First National Bank	432 W Gallatin St	Vandalia, IL 62471
Patoka Branch	209 South Railroad Street	Patoka, IL 62875

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