The First National Bank

Overview / Commentary
511 Lake Land Boulevard
Mattoon, IL 61938

The First National Bank is headquartered in Mattoon and is the 295th largest bank in the state of Illinois. It is also the 4,134th largest bank in the nation. It was established in 1904 and as of December of 2019, it had grown to 20 employees at 3 locations. The First National Bank has a B 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 - YTD0.58%
Return on Equity - YTD6.69%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$91.4MM$90.4MM
LoansQ4 2019vs Q4 2018$54.3MM$52.8MM
DepositsQ4 2019vs Q4 2018$77.7MM$77.7MM
Equity CapitalQ4 2019vs Q4 2018$8.4MM$7.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$667.00K$536.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$906.00K$898.00K
Real Estate OwnedQ4 2019vs Q4 2018$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
0.50%$5-Interest Christmas Club w/ Electronic Transfer
0.25%$5-Interest Christmas Club w/o Electronic Transfer
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

0.85%$1k-54 Month CD Special
0.85%$1k-Business 54 Month CD Special
0.77%$1k-60 Month CD
0.77%$1k-Business 60 Month CD
0.65%$1k-30 Month CD Special
0.65%$1k-Business 30 Month CD Special
0.57%$1k-48 Month CD
0.57%$1k-Business 48 Month CD
0.54%$1k-36 Month CD
0.54%$1k-Business 36 Month CD
0.40%$1k-15 Month CD Special
0.40%$1k-Business 15 Month CD Special
0.39%$1k-24 Month CD
0.39%$1k-Business 24 Month CD
0.35%$1k-9 Month CD Special
0.35%$1k-Business 9 Month CD Special
0.31%$1k-18 Month CD
0.31%$1k-Business 18 Month CD
0.25%$1k-12 Month CD
0.16%$1k-182 Day CD
0.16%$1k-Business 182 Day CD
0.08%$2.5k-91 Day CD
0.08%$1k-Business 12 Month CD
0.08%$2.5k-Business 91 Day CD
0.05%$2.5k-31 Day CD
0.05%$2.5k-Business 31 Day CD

The First National Bank IRA Rates

0.77%$500-60 Month IRA
0.57%$500-48 Month IRA
0.54%$500-36 Month IRA
0.39%$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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