The First National Bank of Raymond

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

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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.fnbraymond.com

217-229-3701

403 East Broad Street
Raymond, IL 62560

The First National Bank of Raymond is headquartered in RAYMOND and is the 217^th largest bank in the state of Illinois. It is also the 3,222^nd largest bank in the nation. It was established in 1903 and as of March of 2025, it had grown to 34 employees at 5 locations. The First National Bank of Raymond's CD rates are 4X 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

Health Grade Components

Overall
FDIC Certificate #	3830
Year Established	1903
Employees	34
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.09%
Return on Equity - YTD	19.47%
Annual Interest Income	$2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$175.2MM$176.6MM
Loans	Q1 2025vs Q1 2024	$86.3MM$84.5MM
Deposits	Q1 2025vs Q1 2024	$159MM$159.1MM
Equity Capital	Q1 2025vs Q1 2024	$10.4MM$8.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$935K$973K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$635K$1.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$102K$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 Raymond Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$0	-	Statement Savings
0.20%	$0	-	Christmas Club

The First National Bank of Raymond Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%^*	$500k^*	-	Money Market Deposit Account
OTHER TIERS: 0.15% → $0 - $20k \| 0.20% → $20k - $50k \| 0.25% → $50k - $100k \| 0.45% → $100k - $200k \| 0.55% → $200k - $500k

The First National Bank of Raymond Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%^*	$500k^*	-	NOW Checking
OTHER TIERS: 0.15% → $0 - $20k \| 0.20% → $20k - $50k \| 0.25% → $50k - $100k \| 0.45% → $100k - $200k \| 0.55% → $200k - $500k

The First National Bank of Raymond CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$2.5k	-	6 Month CD
3.82%	$1k	-	12 Month CD
3.80%	$25	-	11 Month "Sprout" CD for Children
2.27%	$1k	-	60 Month CD
2.27%	$25	-	59 Month "Sprout" CD for Children
2.17%	$1k	-	18 Month CD
2.02%	$1k	-	24 Month CD
2.02%	$1k	-	48 Month CD
1.87%	$1k	-	30 Month CD
1.71%	$1k	-	36 Month CD
1.71%	$25	-	35 Month "Sprout" CD for Children
1.00%	$2.5k	-	3 Month CD

The First National Bank of Raymond IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.17%	$100	-	18 Month Fixed IRA
2.17%	$100	-	18 Month Roth IRA
2.02%	$100	-	24 Month Fixed IRA
1.71%	$100	-	36 Month Fixed IRA

Locations

The First National Bank of Raymond Locations
Virden Branch	103 South Springfield Street	Virden, IL 62690
Morrisonville Branch	401 Sarpy St	Morrisonville, IL 62546
The First National Bank Of Raymond	403 E Broad St	Raymond, IL 62560
Pawnee Branch	700 Carroll St	Pawnee, IL 62558
North Route Branch	625 N 3rd St	Girard, IL 62640

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