The First National Bank of Lacon

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fnblacon.com

309-246-2415

111 South Broad Street
Lacon, IL 61540

The First National Bank of Lacon is headquartered in LACON and is the 276^th largest bank in the state of Illinois. It is also the 3,826^th largest bank in the nation. It was established in 1864 and as of December of 2024, it had grown to 13 employees at 1 location. The First National Bank of Lacon's CD rates are 2X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3688
Year Established	1864
Employees	13
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.1%
Return on Equity - YTD	16.29%
Annual Interest Income	$4.2MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$100.4MM$81.4MM
Loans	Q4 2024vs Q4 2023	$58.9MM$54.1MM
Deposits	Q4 2024vs Q4 2023	$93.5MM$74.1MM
Equity Capital	Q4 2024vs Q4 2023	$6.9MM$5.4MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$426K$420K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$333K$59K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD
IRA

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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 of Lacon Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$0	-	Passbook Savings

The First National Bank of Lacon Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$2.5k^*	-	Money Market Deposit Account
OTHER TIERS: 0.35% → $10 - $2.5k

The First National Bank of Lacon Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$10	-	NOW Account Checking

The First National Bank of Lacon CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.48%	$500	-	60 Month CD
2.38%	$500	-	48 Month CD
2.27%	$500	-	30 Month CD
2.02%	$2.5k	-	1 Year CD
2.02%	$500	-	18 Month CD
1.51%	$2.5k	-	182 Day CD
1.00%	$2.5k	-	91 Day CD
0.50%	$2.5k	-	60 Days CD

The First National Bank of Lacon IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%	$100	-	18 Month fixed IRA
1.51%	$100	-	18 Month Variable IRA

Locations

The First National Bank of Lacon Locations
The First National Bank Of Lacon	111 S Broad St	Lacon, IL 61540

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