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The Fairfield National Bank


Overview / Commentary
www.fnbcommunitybank.com
618-842-2107
220 East Main Street
Fairfield, IL 62837

The Fairfield National Bank is headquartered in Fairfield and is the 77th largest bank in the state of Illinois. It is also the 1,354th largest bank in the nation. It was established in 1903 and as of December of 2019, it had grown to 57 employees at 3 locations. The Fairfield National Bank has a B health rating.

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Health
B

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #3792
Year Established1903
Employees57
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD9.42%
Annual Interest Income$21.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$545.9MM$568.4MM
LoansQ4 2019vs Q4 2018$346.2MM$350.7MM
DepositsQ4 2019vs Q4 2018$321.5MM$352.1MM
Equity CapitalQ4 2019vs Q4 2018$72.6MM$62.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$2.2MM$1.5MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$12.1MM$3.1MM
Real Estate OwnedQ4 2019vs Q4 2018$25.00K$311.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Fairfield National Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5-Vacation Club
0.50%$5-Christmas Club
0.20%$100-Passbook Savings
0.20%$100-Business Savings
0.20%$100-Preferred Savings
0.20%$100-Preferred Business Savings

The Fairfield National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$250k*-Preferred Money Market Checking
OTHER TIERS: 0.05% → $15k - $25k | 0.10% → $25k - $100k | 0.30% → $100k - $250k
0.35%*$250k*-Preferred Business Money Market Checking
OTHER TIERS: 0.05% → $15k - $25k | 0.10% → $25k - $100k | 0.30% → $100k - $250k
0.25%*$100k*-Money Market Account
OTHER TIERS: 0.03% → $2.5k - $10k | 0.05% → $10k - $50k | 0.15% → $50k - $100k
0.25%*$100k*-Business Money Market Account
OTHER TIERS: 0.03% → $2.5k - $10k | 0.05% → $10k - $50k | 0.15% → $50k - $100k

The Fairfield National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*-$20kMoolah Cash Checking
OTHER TIERS: 0.25% → $20k+
0.50%*$10k*-Secure Plus Account
OTHER TIERS: 0.05% → Up to $1k | 0.15% → $1k - $10k
0.07%*$50k*-Business Super Now Account
OTHER TIERS: 0.03% → $1k - $10k | 0.05% → $10k - $50k
0.05%*$50k*-Business Now Account
OTHER TIERS: 0.01% → $500 - $1k | 0.02% → $1k - $10k | 0.03% → $10k - $50k
0.05%*$50k*-Preferred Business Now Account
OTHER TIERS: 0.01% → $500 - $1k | 0.02% → $1k - $10k | 0.03% → $10k - $50k

The Fairfield National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-60 Month Certificate
OTHER TIERS: 0.80% → $500 - $2.5k | 0.85% → $2.5k - $10k | 0.90% → $10k - $50k | 0.95% → $50k - $100k
1.00%*$100k*-Business 60 Month Certificate
OTHER TIERS: 0.80% → $500 - $2.5k | 0.85% → $2.5k - $10k | 0.90% → $10k - $50k | 0.95% → $50k - $100k
0.90%*$100k*-48 Month Certificate
OTHER TIERS: 0.70% → $500 - $2.5k | 0.75% → $2.5k - $10k | 0.80% → $10k - $50k | 0.85% → $50k - $100k
0.90%*$100k*-Business 48 Month Certificate
OTHER TIERS: 0.70% → $500 - $2.5k | 0.75% → $2.5k - $10k | 0.80% → $10k - $50k | 0.85% → $50k - $100k
0.80%*$100k*-36 Month Certificate
OTHER TIERS: 0.60% → $500 - $2.5k | 0.65% → $2.5k - $10k | 0.70% → $10k - $50k | 0.75% → $50k - $100k
0.80%*$100k*-Business 36 Month Certificate
OTHER TIERS: 0.60% → $500 - $2.5k | 0.65% → $2.5k - $10k | 0.70% → $10k - $50k | 0.75% → $50k - $100k
0.75%*$100k*-30 Month Certificate
OTHER TIERS: 0.55% → $500 - $2.5k | 0.60% → $2.5k - $10k | 0.65% → $10k - $50k | 0.70% → $50k - $100k
0.75%*$100k*-Business 30 Month Certificate
OTHER TIERS: 0.55% → $500 - $2.5k | 0.60% → $2.5k - $10k | 0.65% → $10k - $50k | 0.70% → $50k - $100k
0.70%*$100k*-18 Month Certificate
OTHER TIERS: 0.50% → $500 - $2.5k | 0.55% → $2.5k - $10k | 0.60% → $10k - $50k | 0.65% → $50k - $100k
0.70%*$100k*-24 Month Certificate
OTHER TIERS: 0.50% → $500 - $2.5k | 0.55% → $2.5k - $10k | 0.60% → $10k - $50k | 0.65% → $50k - $100k
0.70%*$100k*-Business 18 Month Certificate
OTHER TIERS: 0.50% → $500 - $2.5k | 0.55% → $2.5k - $10k | 0.60% → $10k - $50k | 0.65% → $50k - $100k
0.70%*$100k*-Business 24 Month Certificate
OTHER TIERS: 0.50% → $500 - $2.5k | 0.55% → $2.5k - $10k | 0.60% → $10k - $50k | 0.65% → $50k - $100k
0.60%*$100k*-12 Month Certificate
OTHER TIERS: 0.40% → $500 - $2.5k | 0.45% → $2.5k - $10k | 0.50% → $10k - $50k | 0.55% → $50k - $100k
0.60%*$100k*-Business 12 Month Certificate
OTHER TIERS: 0.40% → $500 - $2.5k | 0.45% → $2.5k - $10k | 0.50% → $10k - $50k | 0.55% → $50k - $100k
0.50%*$100k*-6 Month Certificate
OTHER TIERS: 0.30% → $500 - $2.5k | 0.35% → $2.5k - $10k | 0.40% → $10k - $50k | 0.45% → $50k - $100k
0.50%*$100k*-Business 6 Month Certificate
OTHER TIERS: 0.30% → $500 - $2.5k | 0.35% → $2.5k - $10k | 0.40% → $10k - $50k | 0.45% → $50k - $100k
0.40%*$100k*-3 Month Certificate
OTHER TIERS: 0.20% → $1k - $2.5k | 0.25% → $2.5k - $10k | 0.30% → $10k - $50k | 0.35% → $50k - $100k
0.40%*$100k*-Business 3 Month Certificate
OTHER TIERS: 0.20% → $1k - $2.5k | 0.25% → $2.5k - $10k | 0.30% → $10k - $50k | 0.35% → $50k - $100k
0.25%*$100k*-7 - 31 Day Certificate
OTHER TIERS: 0.10% → $2.5k - $10k | 0.15% → $10k - $50k | 0.20% → $50k - $100k
0.25%*$100k*-Business 7 - 31 Day Certificate
OTHER TIERS: 0.10% → $2.5k - $10k | 0.15% → $10k - $50k | 0.20% → $50k - $100k

The Fairfield National Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$50k*-60 Month IRA
OTHER TIERS: 1.15% → $500 - $10k | 1.20% → $10k - $50k
1.00%*$50k*-30 Month IRA
OTHER TIERS: 0.90% → $500 - $10k | 0.95% → $10k - $50k
0.95%*$50k*-18 Month Variable IRA
OTHER TIERS: 0.85% → $500 - $10k | 0.90% → $10k - $50k
Locations


The Fairfield National Bank Locations
Grayville Banking Center Branch119 South Middle StreetGrayville, IL 62844
Bridgeport Branch201 North Main StreetBridgeport, IL 62417
Bean Capital Banking Center Branch204 North Main StreetWayne City, IL 62895
The Fairfield National Bank220 East Main StreetFairfield, IL 62837

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