Overview / Commentary
432 West Gallatin Street
Vandalia, IL 62471

The First National Bank (IL) is headquartered in Vandalia and is the 127th largest bank in the state of Illinois. It is also the 2,058th largest bank in the nation. It was established in 1865 and as of September of 2018, it had grown to 86 employees at 7 locations. The First National Bank (IL)'s CD rates are 46% 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 - YTD1.19%
Return on Equity - YTD8.95%
Annual Interest Income$9.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$322.6MM$321.5MM
LoansQ3 2018vs Q3 2017$195.3MM$176.2MM
DepositsQ3 2018vs Q3 2017$268.3MM$270.8MM
Equity CapitalQ3 2018vs Q3 2017$43.7MM$43.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$2.0MM$1.7MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$777.00K$1.6MM
Real Estate OwnedQ3 2018vs Q3 2017$33.00K$28.00K
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Always verify rates and promotions with the bank or credit union. We are not The First National 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 First National Bank (IL) Savings Account Rates

0.50%$1-Christmas Savings Club
0.30%$500-IRA Account
0.25%$1-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

2.94%$1k-38 Month CD
2.42%$1k-18 Month CD
2.32%$1k-60 Month CD
1.81%$1k-48 Month CD
1.51%$1k-36 Month CD
1.41%$1k-24 Month CD
1.31%$1k-12 Month CD
1.00%$1k-7 Month CD
0.50%$1k-182 Day CD
0.40%$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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