The First National Bank of Lacon

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

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Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

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Member FDIC

up to $300

Our Rating

4.2 / 5

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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 275^th largest bank in the state of Illinois. It is also the 3,880^th largest bank in the nation. It was established in 1864 and as of March of 2025, 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 Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank of Lacon has a relatively low asset base.

Health Grade Components

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

Profit Margin
Return on Assets - YTD	0.85%
Return on Equity - YTD	11.67%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$90.6MM$85.2MM
Loans	Q1 2025vs Q1 2024	$61.2MM$58.7MM
Deposits	Q1 2025vs Q1 2024	$83.4MM$77.7MM
Equity Capital	Q1 2025vs Q1 2024	$7.1MM$5.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$398K$412K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$343K$111K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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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Savings
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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