The First National Bank of Sparta

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

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!

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 266^th largest bank in the state of Illinois. It is also the 3,761^st largest bank in the nation. It was established in 1885 and as of March of 2025, it had grown to 20 employees at 1 location. The First National Bank of Sparta's CD rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3837
Year Established	1885
Employees	20
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.77%
Return on Equity - YTD	19.46%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$105.6MM$104.9MM
Loans	Q1 2025vs Q1 2024	$42.6MM$41.7MM
Deposits	Q1 2025vs Q1 2024	$94.8MM$90.3MM
Equity Capital	Q1 2025vs Q1 2024	$9.9MM$8.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$632K$671K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$180K$455K
Real Estate Owned	Q1 2025vs Q1 2024	$35K$56K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

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

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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

APY	MIN	MAX	ACCOUNT NAME
0.55%	$0	-	College Club
0.40%	$100	-	Regular Savings
0.40%	$100	-	Business Savings

The First National Bank of Sparta Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
2.85%	$500	-	60 Month CD
2.75%	$500	-	48 Month CD
2.50%	$500	-	24 Month CD
2.25%	$500	-	12 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 Sparta	101 W Broadway St	Sparta, IL 62286

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