First National Bank of Waterloo
Waterloo, IL
IDRSSD: 145545
Total Assets
$929.77M
Latest filing
Total Deposits
$764.50M
Latest filing
Net Interest Margin
3.36%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of Waterloo
228 S Main St
Waterloo, IL 62298
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/12/1912FDIC Certificate 2499
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First National Bank of Waterloo (Main) | 228 S Main St | Waterloo, IL |
| NORTH FACILITY | 744 N Market St | Waterloo, IL |
| COLUMBIA BRANCH | 1421 N Main St | Columbia, IL |
| NEW ATHENS BRANCH | 600 S Van Buren St | New Athens, IL |
| STEWARDSON BANKING CENTER BRANCH | 110 E Main St | Stewardson, IL |
| WATERLOO WAL-MART BKG. CENTER BRANCH | 961 N Market St | Waterloo, IL |
| EFFINGHAM BRANCH | 210 E Fayette Ave | Effingham, IL |
| COLLINSVILLE BRANCH | 100 E Clay St | Collinsville, IL |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 06/12/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62298 |
| State and County Number | 17133 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | St. Louis, MO-IL |
Operational Info
| Number of Employees | 163 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/17/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbwaterloo.bank |
| Data Updated | 01/30/2026 |
| CERT | 3842 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $929.77M |
| Total Deposits | $764.50M |
| Total Liabilities | $841.47M |
| Total Equity Capital | $88.30M |
| Net Income | $1.16M |
| Net Loans and Leases | $534.82M |
| Assets Per Employee ($Millions) | $5.7M |
| Bank Premises and Fixed Assets | $12.81M |
| Cash and Balances due from Depository Institutions | $30.05M |
| Deposits Held in Domestic Offices | $764.50M |
Key Performance Ratios
| Return on Assets (ROA) | 0.5% |
| Return on Equity (ROE) | 5.31% |
| Net Interest Margin | 3.36% |
| Efficiency Ratio | 78.65% |
| Tier 1 Risk-Based Capital Ratio | 12.423% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.497% |
| Earning Assets to total Assets | 92.31% |
Income and Expense
| Total Interest Income | $10.50M |
| Total Noninterest Income | $1.31M |
| Total Interest Expense | $3.30M |
| Total Noninterest Expense | $6.82M |
| Net Interest Income | $7.20M |
| Pre-tax Net Operating Income | $1.46M |
| Provision for Credit Losses | $239.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $509.00k |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $36.20M |
| Federal Funds Purchased and Repurchased Agreement | $46.15M |
| All Other Liabilities | $5.82M |
| Total Liabilities and Capital | $929.77M |
Securities
| Securities | $269.79M |
| Available-for-sale debt securities | $109.20M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $160.59M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank of Waterloo?
$929.77M as of the latest filing.
How much are First National Bank of Waterloo's total deposits?
$764.50M in total deposits.
Where is First National Bank of Waterloo located?
Waterloo, IL.
What is the Net Interest Margin?
3.36%.
How many domestic offices does it operate?
16.
When was it established?
06/12/1912.
What is the Return on Assets (ROA)?
0.5%.
How much are total loans and leases?
$534.82M (latest filing).
What is the total interest income (latest filing)?
$10.50M.