Overview / Commentary
511 Lake Land Boulevard
Mattoon, IL 61938

The First National Bank is headquartered in Mattoon and is the 312th largest bank in the state of Illinois. It is also the 4,303rd largest bank in the nation. It was established in 1904 and as of September of 2018, it had grown to 23 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 - YTD0.44%
Return on Equity - YTD5.62%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$90.6MM$91.0MM
LoansQ3 2018vs Q3 2017$52.2MM$51.7MM
DepositsQ3 2018vs Q3 2017$80.4MM$80.5MM
Equity CapitalQ3 2018vs Q3 2017$6.9MM$7.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$532.00K$508.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$943.00K$1.0MM
Real Estate OwnedQ3 2018vs Q3 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

2.96%$1k-54 Month CD Special
2.62%$1k-30 Month CD Special
2.36%$1k-15 Month CD Special
2.06%$1k-9 Month CD Special
1.52%$1k-60 Month CD
1.21%$1k-48 Month CD
1.03%$1k-36 Month CD
0.77%$1k-24 Month CD
0.57%$1k-18 Month CD
0.52%$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

1.52%$500-60 Month IRA
1.21%$500-48 Month IRA
1.03%$500-36 Month IRA
0.77%$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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