The First National Bank of Sparta


Overview / Commentary
618-443-2187
Broadway And Market Streets
Sparta, IL 62286

The First National Bank of Sparta is headquartered in Sparta and is the 310th largest bank in the state of Illinois. It is also the 4,252nd largest bank in the nation. It was established in 1885 and as of March of 2020, it had grown to 21 employees at 1 location. The First National Bank of Sparta has an A health rating.

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank of Sparta has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #3837
Year Established1885
Employees21
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.02%
Return on Equity - YTD15.15%
Annual Interest Income$896.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$81.2MM$80.0MM
LoansQ1 2020vs Q1 2019$39.6MM$38.9MM
DepositsQ1 2020vs Q1 2019$66.0MM$65.4MM
Equity CapitalQ1 2020vs Q1 2019$11.0MM$10.4MM
Loan Loss AllowanceQ1 2020vs Q1 2019$537.00K$545.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$230.00K$132.00K
Real Estate OwnedQ1 2020vs Q1 2019$0$29.00K
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
0.15%$100-Regular Savings

The First National Bank of Sparta Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$1k*-Money Market
OTHER TIERS: 0.05% Up to $1k

The First National Bank of Sparta Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$1k*-Super Now
OTHER TIERS: 0.01% Up to $1k
0.01%$750-Now Account

The First National Bank of Sparta CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%$500-60 Month CD
0.95%$500-48 Month CD
0.85%$500-36 Month CD
0.80%$500-30 Month CD
0.75%$500-24 Month CD
0.60%$500-18 Month CD
0.50%$500-12 Month CD
0.20%$2.5k-1 Month CD
0.20%$2.5k-91 Day CD
0.20%$500-182 Day CD
Locations


The First National Bank of Sparta Locations
The First National Bank Of SpartaBroadway and Market StreetsSparta, IL 62286

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