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Overview / Commentary
309-246-2415
111 South Broad Street
Lacon, IL 61540

The First National Bank of Lacon is headquartered in Lacon and is the 375th largest bank in the state of Illinois. It is also the 4,994th largest bank in the nation. It was established in 1864 and as of September of 2017, it had grown to 14 employees at 1 location. The First National Bank of Lacon has a B health rating.

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Health
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 Established1864
Employees14
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD8.49%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$61.2MM$67.0MM
LoansQ3 2017vs Q3 2016$42.8MM$45.0MM
DepositsQ3 2017vs Q3 2016$54.1MM$61.4MM
Equity CapitalQ3 2017vs Q3 2016$5.5MM$5.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$605.00K$573.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$0$2.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
Rates
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The First National Bank of Lacon Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Passbook Savings

The First National Bank of Lacon Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2,500-Money Market Deposit Account

The First National Bank of Lacon Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--NOW Account Checking

The First National Bank of Lacon CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$500-60 Month CD
1.25%$500-48 Month CD
1.00%$500-30 Month CD
0.55%$500-18 Month CD
0.50%$2,500-1 Year CD
0.20%$2,500-182 Day CD
0.10%$2,500-91 Day CD

The First National Bank of Lacon IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$100-18 Month fixed IRA
0.64%$100-18 Month Variable IRA
Locations


The First National Bank of Lacon Locations
The First National Bank Of Lacon111 South Broad StreetLacon, IL 61540