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The First National Bank (IL)

Popular Accounts at this Bank

1.00%Reward CheckingRewards Checking
1.81%5-year CD60 Month CD
1.00%1-year CD12 Month CD

Overview / Commentary
432 West Gallatin Street
Vandalia, IL 62471

The First National Bank (IL) is headquartered in Vandalia and is the 125th largest bank in the state of Illinois. It is also the 2,031st largest bank in the nation. It was established in 1865 and as of March of 2018, it had grown to 83 employees at 7 locations. The First National Bank (IL)'s CD rates are 11% higher than the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #3840
Year Established1865
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD9.56%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$327.5MM$324.1MM
LoansQ1 2018vs Q1 2017$183.3MM$172.6MM
DepositsQ1 2018vs Q1 2017$277.2MM$275.7MM
Equity CapitalQ1 2018vs Q1 2017$42.7MM$40.5MM
Loan Loss AllowanceQ1 2018vs Q1 2017$1.8MM$1.6MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.2MM$1.2MM
Real Estate OwnedQ1 2018vs Q1 2017$95.00K$28.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank (IL) Savings Account Rates

0.30%$500-IRA Account
0.25%--Christmas Savings Club
0.25%--Vacation Savings Club

The First National Bank (IL) Money Market Rates

0.20%$1k-Money Market

The First National Bank (IL) Checking Account Rates

1.00%*-$25kRewards Checking
OTHER TIERS: 0.20% $25k+
0.15%*$25k*-FirstRate Checking
OTHER TIERS: 0.10% $500 - $25k
0.10%$1k-FirstClub Checking

The First National Bank (IL) CD Rates

1.81%$1k-60 Month CD
1.76%$1k-38 Month CD
1.41%$1k-48 Month CD
1.21%$1k-24 Month CD
1.21%$1k-36 Month CD
1.00%$1k-12 Month CD
0.50%$1k-7 Month CD
0.30%$1k-182 Day CD
0.25%$1k-91 Day CD
0.25%$5k-91-Day Peace of Mind CD
0.20%$1k-31 Day CD

The First National 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 West Gallatin StreetVandalia, IL 62471
Patoka Branch209 South Railroad StreetPatoka, IL 62875

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