First National Bank of Waterloo
Waterloo, IL
IDRSSD: 145545
Total Assets
$925.71M
Latest filing
Total Deposits
$764.92M
Latest filing
Net Interest Margin
3.23%
Profitability
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 11/14/2025Established 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 | 165 |
| 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 | 11/14/2025 |
| CERT | 3842 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $925.71M |
| Total Deposits | $764.92M |
| Total Liabilities | $838.80M |
| Total Equity Capital | $86.90M |
| Net Income | $1.53M |
| Net Loans and Leases | $535.34M |
| Assets Per Employee ($Millions) | $5.68M |
| Bank Premises and Fixed Assets | $13.04M |
| Cash and Balances due from Depository Institutions | $25.42M |
| Deposits Held in Domestic Offices | $764.92M |
Key Performance Ratios
| Return on Assets (ROA) | 0.66% |
| Return on Equity (ROE) | 7.21% |
| Net Interest Margin | 3.23% |
| Efficiency Ratio | 72.47% |
| Tier 1 Risk-Based Capital Ratio | 13.036% |
| 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 | 9.388% |
| Earning Assets to total Assets | 92.29% |
Income and Expense
| Total Interest Income | $10.18M |
| Total Noninterest Income | $1.41M |
| Total Interest Expense | $3.29M |
| Total Noninterest Expense | $6.13M |
| Net Interest Income | $6.89M |
| Pre-tax Net Operating Income | $1.92M |
| Provision for Credit Losses | $239.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $388.00k |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $26.20M |
| Federal Funds Purchased and Repurchased Agreement | $42.78M |
| All Other Liabilities | $6.09M |
| Total Liabilities and Capital | $925.71M |
Securities
| Securities | $277.63M |
| Available-for-sale debt securities | $112.62M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $165.01M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank of Waterloo?
$925.71M as of the latest filing.
How much are First National Bank of Waterloo's total deposits?
$764.92M in total deposits.
Where is First National Bank of Waterloo located?
Waterloo, IL.
What is the Net Interest Margin?
3.23%.
How many domestic offices does it operate?
16.
When was it established?
06/12/1912.
What is the Return on Assets (ROA)?
0.66%.
How much are total loans and leases?
$535.34M (latest filing).
What is the total interest income (latest filing)?
$10.18M.