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The First National Bank of Sparta


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
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.fnbsparta.com
618-443-2187
101 W Broadway St
Sparta, IL 62286

The First National Bank of Sparta is headquartered in SPARTA and is the 275th largest bank in the state of Illinois. It is also the 3,802nd largest bank in the nation. It was established in 1885 and as of December of 2024, it had grown to 18 employees at 1 location. The First National Bank of Sparta's CD rates are 3X 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 #3837
Year Established1885
Employees18
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD13.41%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$103.1MM$106.2MM
LoansQ4 2024vs Q4 2023$43.1MM$41.9MM
DepositsQ4 2024vs Q4 2023$93MM$91.6MM
Equity CapitalQ4 2024vs Q4 2023$9.2MM$8.6MM
Loan Loss AllowanceQ4 2024vs Q4 2023$683K$684K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$220K$269K
Real Estate OwnedQ4 2024vs Q4 2023$192K$183K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank of Sparta Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$0-College Club
0.40%$100-Regular Savings
0.40%$100-Business Savings

The First National Bank of Sparta Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$1k*-Money Market
OTHER TIERS: 0.25% → $0 - $1k
0.50%*$1k*-Business Money Market
OTHER TIERS: 0.25% → $0 - $1k

The First National Bank of Sparta Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$1k*-Super Now
OTHER TIERS: 0.15% → $0 - $1k
0.25%*$1k*-Business Super Now
OTHER TIERS: 0.15% → $0 - $1k

The First National Bank of Sparta CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500-60 Month CD
2.40%$500-48 Month CD
2.25%$500-12 Month CD
2.25%$500-24 Month CD
2.25%$500-30 Month CD
2.25%$500-36 Month CD
2.15%$500-18 Month CD
1.45%$500-182 Day CD
1.10%$2.5k-91 Day CD
0.85%$2.5k-1 Month CD
Locations


The First National Bank of Sparta Locations
The First National Bank Of Sparta101 W Broadway StSparta, IL 62286

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