The First National Bank of Raymond

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 218^th largest bank in the state of Illinois. It is also the 3,194^th largest bank in the nation. It was established in 1903 and as of June of 2022, it had grown to 35 employees at 5 locations. The First National Bank of Raymond's CD rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	3830
Year Established	1903
Employees	35
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.65%
Return on Equity - YTD	9.19%
Annual Interest Income	$2.6MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$186.7MM$181.4MM
Loans	Q2 2022vs Q2 2021	$73.7MM$80.1MM
Deposits	Q2 2022vs Q2 2021	$179.0MM$162.5MM
Equity Capital	Q2 2022vs Q2 2021	$7.5MM$18.8MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$954.00K$885.00K
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$499.00K$788.00K
Real Estate Owned	Q2 2022vs Q2 2021	$0$12.00K

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
0.15%	-	-	Statement Savings
0.15%	-	-	Christmas Club

The First National Bank of Raymond Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$500k^*	-	Money Market Deposit Account
OTHER TIERS: 0.15% → Up to $100k \| 0.20% → $100k - $200k \| 0.25% → $200k - $500k

The First National Bank of Raymond Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$500k^*	-	NOW Checking
OTHER TIERS: 0.15% → Up to $100k \| 0.20% → $100k - $200k \| 0.25% → $200k - $500k

The First National Bank of Raymond CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%	$1k	-	24 Month CD
3.14%	$1k	-	18 Month CD
3.04%	$1k	-	12 Month CD
3.03%	$25	-	11 Month "Sprout" CD for Children
1.76%	$1k	-	30 Month CD
1.71%	$1k	-	36 Month CD
1.71%	$25	-	35 Month "Sprout" CD for Children
1.61%	$1k	-	48 Month CD
1.51%	$1k	-	60 Month CD
1.51%	$25	-	59 Month "Sprout" CD for Children
1.00%	$2.5k	-	6 Month CD
0.50%	$2.5k	-	3 Month CD

The First National Bank of Raymond IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%	$100	-	24 Month Fixed IRA
3.14%	$100	-	18 Month Fixed IRA
3.14%	$100	-	18 Month Roth 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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