The First National Bank

Popular Accounts at this Bank

1.51%Reward CheckingEZ Cash
0.50%Reward SavingsEZ Saver
1.43%5-year CD60 Month CD

Overview / Commentary
511 Lake Land Boulevard
Mattoon, IL 61938

The First National Bank is headquartered in Mattoon and is the 320th largest bank in the state of Illinois. It is also the 4,399th largest bank in the nation. It was established in 1904 and as of June of 2018, it had grown to 24 employees at 3 locations. The First National Bank has a C+ health rating.

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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 has a relatively low asset base.

Health Grade Components

FDIC Certificate #3817
Year Established1904
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD5.2%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$87.2MM$89.6MM
LoansQ2 2018vs Q2 2017$50.4MM$51.0MM
DepositsQ2 2018vs Q2 2017$77.2MM$79.1MM
Equity CapitalQ2 2018vs Q2 2017$6.9MM$7.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$524.00K$500.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.0MM$106.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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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 Savings Account Rates

0.50%*-$15kEZ Saver
OTHER TIERS: 0.20% $15k+
0.05%$100-Savings Account

The First National Bank Money Market Rates

0.20%*$50k*-High Yield Money Market
OTHER TIERS: 0.10% $10k - $25k | 0.15% $25k - $50k
0.08%$5k-Money Market

The First National Bank Checking Account Rates

1.51%*-$15kEZ Cash
OTHER TIERS: 0.20% $15k+
0.15%*$50k*-Premium Checking
OTHER TIERS: 0.05% $1.5k - $10k | 0.10% $10k - $50k
0.05%$1k-NOW Account

The First National Bank CD Rates

2.78%$1k-54 Month CD Special
2.52%$1k-30 Month CD Special
2.27%$1k-15 Month CD Special
2.02%$1k-9 Month CD Special
1.43%$1k-60 Month CD
1.21%$1k-48 Month CD
1.03%$1k-36 Month CD
0.84%$1k-24 Month CD
0.58%$1k-18 Month CD
0.49%$1k-12 Month CD
0.30%$1k-182 Day CD
0.08%$2.5k-91 Day CD
0.05%$2.5k-31 Day CD

The First National Bank IRA Rates

1.43%$500-60 Month IRA
1.21%$500-48 Month IRA
1.03%$500-36 Month IRA
0.84%$500-24 Month IRA

The First National Bank Locations
Jumpin' Jimmy's Conven. Store Branch1117 Broadway Avenue EastMattoon, IL 61938
The First National Bank511 Lake Land BoulevardMattoon, IL 61938
Lerna Banking Center506 Main StreetLerna, IL 62440

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