FNBC Bank & Trust
La Grange, IL
IDRSSD: 608844
Total Assets
$597.63M
Latest filing
Total Deposits
$539.72M
Latest filing
Net Interest Margin
3.16%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
071903929LA GRANGE, IL071905943LA GRANGE, IL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
FNBC Bank & Trust
620 W Burlington Ave
La Grange, IL 60525
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/17/1908FDIC Certificate 7219
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| FNBC Bank & Trust (Main) | 620 W Burlington Ave | La Grange, IL |
| WESTERN SPRINGS BRANCH | 1013 Burlington Ave | Western Springs, IL |
| WEST CHICAGO BRANCH | 600 E Washington St | West Chicago, IL |
Showing 2 of 2
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/17/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60525 |
| State and County Number | 17031 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 77 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbcbt.com |
| Data Updated | 01/30/2026 |
| CERT | 11306 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $597.63M |
| Total Deposits | $539.72M |
| Total Liabilities | $542.67M |
| Total Equity Capital | $54.96M |
| Net Income | $1.88M |
| Net Loans and Leases | $310.80M |
| Assets Per Employee ($Millions) | $7.38M |
| Bank Premises and Fixed Assets | $10.67M |
| Cash and Balances due from Depository Institutions | $52.34M |
| Deposits Held in Domestic Offices | $539.72M |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 14% |
| Net Interest Margin | 3.16% |
| Efficiency Ratio | 65.78% |
| Tier 1 Risk-Based Capital Ratio | 18.566% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.197% |
| Earning Assets to total Assets | 96.08% |
Income and Expense
| Total Interest Income | $6.03M |
| Total Noninterest Income | $1.59M |
| Total Interest Expense | $1.59M |
| Total Noninterest Expense | $3.96M |
| Net Interest Income | $4.44M |
| Pre-tax Net Operating Income | $2.06M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.95M |
| Total Liabilities and Capital | $597.63M |
Securities
| Securities | $215.09M |
| Available-for-sale debt securities | $215.09M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FNBC Bank & Trust?
$597.63M as of the latest filing.
How much are FNBC Bank & Trust's total deposits?
$539.72M in total deposits.
Where is FNBC Bank & Trust located?
La Grange, IL.
What is the Net Interest Margin?
3.16%.
How many domestic offices does it operate?
3.
When was it established?
08/17/1908.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$310.80M (latest filing).
What is the total interest income (latest filing)?
$6.03M.