The First National Bank (IL)

Overview / Commentary
432 West Gallatin Street
Vandalia, IL 62471

The First National Bank (IL) is headquartered in Vandalia and is the 117th largest bank in the state of Illinois. It is also the 1,978th largest bank in the nation. It was established in 1865 and as of June of 2019, it had grown to 85 employees at 7 locations. The First National Bank (IL)'s CD rates are 46% higher than the national average, and it boasts an A+ health rating.


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Health Grade Components

FDIC Certificate #3840
Year Established1865
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD9.07%
Annual Interest Income$6.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$339.6MM$320.9MM
LoansQ2 2019vs Q2 2018$205.7MM$188.6MM
DepositsQ2 2019vs Q2 2018$283.1MM$270.3MM
Equity CapitalQ2 2019vs Q2 2018$48.3MM$43.0MM
Loan Loss AllowanceQ2 2019vs Q2 2018$2.1MM$1.9MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1.2MM$823.00K
Real Estate OwnedQ2 2019vs Q2 2018$61.00K$254.00K
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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
0.50%$1-Vacation Savings Club
0.35%$500-IRA Account

The First National Bank (IL) Money Market Rates

0.25%$1k-Money Market

The First National Bank (IL) Checking Account Rates

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

The First National Bank (IL) CD Rates

2.84%$1k-38 Month CD
2.63%$1k-36 Month CD
2.52%$1k-60 Month CD
2.32%$1k-24 Month CD
2.22%$1k-18 Month CD
2.01%$1k-7 Month CD
1.81%$1k-48 Month CD
1.31%$1k-12 Month CD
1.10%$1k-182 Day CD
1.00%$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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