The FNB Community Bank (IL)

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 99^th largest bank in the state of Illinois. It is also the 1,844^th largest bank in the nation. It was established in 1865 and as of June of 2022, it had grown to 84 employees at 7 locations. The FNB Community Bank (IL)'s CD rates are 17% higher than the national average, and it has an A health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	3840
Year Established	1865
Employees	84
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.88%
Return on Equity - YTD	8.81%
Annual Interest Income	$6.8MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$461.7MM$447.4MM
Loans	Q2 2022vs Q2 2021	$206.9MM$197.7MM
Deposits	Q2 2022vs Q2 2021	$417.3MM$381.8MM
Equity Capital	Q2 2022vs Q2 2021	$36.2MM$56.2MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$2.8MM$2.9MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$694.00K$1.3MM
Real Estate Owned	Q2 2022vs Q2 2021	$217.00K$99.00K

Rates

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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not The FNB Community Bank (IL); we are a rate comparison website and cannot provide official rates or promotions.

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

The FNB Community Bank (IL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$1	-	Christmas Savings Club
0.25%	$1	-	Vacation Savings Club
0.25%	$500	-	IRA Account
0.10%	-	-	Savings
0.10%	-	-	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
0.75%	-	$25k	Rewards Checking
0.10%^*	$25k^*	-	FirstRate Checking
OTHER TIERS: 0.05% → $500 - $25k
0.10%	$1k	-	FirstClub Checking

The FNB Community Bank (IL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$1k	-	14 Month CD
2.02%	-	-	Business 14 Month CD
2.00%	$1k	-	9 Month CD
2.00%	$1k	-	Business 9 Month CD
1.05%	$1k	-	12 Month CD
1.05%	$1k	-	Business 12 Month CD
1.00%	$1k	-	7 Month CD
1.00%	$1k	-	Business 7 Month CD
0.70%	$1k	-	60 Month CD
0.70%	$1k	-	Business 60 Month CD
0.60%	$1k	-	48 Month CD
0.60%	$1k	-	Business 48 Month CD
0.50%	$1k	-	24 Month CD
0.50%	$1k	-	36 Month CD
0.50%	$1k	-	Business 24 Month CD
0.50%	$1k	-	Business 36 Month CD
0.45%	$1k	-	18 Month CD
0.45%	$1k	-	Business 18 Month CD
0.25%	$1k	-	182 Day CD
0.25%	$1k	-	Business 182 Day CD
0.15%	$1k	-	91 Day CD
0.15%	$5k	-	91-Day Peace of Mind CD
0.15%	$1k	-	Business 91 Day CD
0.15%	$5k	-	Business 91-Day Peace of Mind CD
0.10%	$1k	-	31 Day CD
0.10%	$1k	-	Business 31 Day CD

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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