The First National Bank of Sparta


Overview / Commentary
618-443-2187
101 W Broadway St
Sparta, IL 62286

The First National Bank of Sparta is headquartered in SPARTA and is the 279th largest bank in the state of Illinois. It is also the 3,850th largest bank in the nation. It was established in 1885 and as of September of 2023, it had grown to 20 employees at 1 location. The First National Bank of Sparta's CD rates are 94% higher than the national average, and it has a B health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #3837
Year Established1885
Employees20
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD19.23%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$102.3MM$97.7MM
LoansQ3 2023vs Q3 2022$41.3MM$39.1MM
DepositsQ3 2023vs Q3 2022$92.2MM$91MM
Equity CapitalQ3 2023vs Q3 2022$6.5MM$5.6MM
Loan Loss AllowanceQ3 2023vs Q3 2022$687K$618K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$527K$48K
Real Estate OwnedQ3 2023vs Q3 2022$127K$0
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%--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% Up to $1k
0.50%*$1k*-Business Money Market
OTHER TIERS: 0.25% Up to $1k

The First National Bank of Sparta Checking Account Rates

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

The First National Bank of Sparta CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%$500-48 Month CD
2.25%$500-24 Month CD
2.25%$500-30 Month CD
2.25%$500-36 Month CD
2.01%$500-60 Month CD
2.00%$500-18 Month CD
1.75%$500-12 Month CD
1.10%$500-182 Day CD
0.75%$2.5k-91 Day CD
0.60%$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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