Advertising Disclosure
  1. Home
  2. Banks
  3. The First National Bank of Sparta

The First National Bank of Sparta


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 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 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
Bonus Amount
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 266th largest bank in the state of Illinois. It is also the 3,761st 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.

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3837
Year Established1885
Employees20
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.77%
Return on Equity - YTD19.46%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$105.6MM$104.9MM
LoansQ1 2025vs Q1 2024$42.6MM$41.7MM
DepositsQ1 2025vs Q1 2024$94.8MM$90.3MM
Equity CapitalQ1 2025vs Q1 2024$9.9MM$8.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$632K$671K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$180K$455K
Real Estate OwnedQ1 2025vs Q1 2024$35K$56K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 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 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
Bonus Amount
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
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not The First National Bank of Sparta; we are a rate comparison website and cannot provide official rates or promotions.

* 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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.