The FNB Community Bank
Vandalia, IL
IDRSSD: 137447
Total Assets
$493.98M
Latest filing
Total Deposits
$439.34M
Latest filing
Net Interest Margin
3.62%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
The FNB Community Bank
432 W Gallatin St
Vandalia, IL 62471
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1865FDIC Certificate 2498
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The FNB Community Bank (Main) | 432 W Gallatin St | Vandalia, IL |
| GREENVILLE BRANCH | 1310 E City Route 40 | Greenville, IL |
| RAMSEY BRANCH | 227 S Superior St | Ramsey, IL |
| VANDALIA BRANCH | 1420 N 8th St | Vandalia, IL |
| MULBERRY GROVE BRANCH | 102 Maple Street | Mulberry Grove, IL |
| BANKER BLVD BRANCH | 311 Banker Blvd | Vandalia, IL |
| PATOKA BRANCH | 209 S Railroad St | Patoka, IL |
Showing 6 of 6
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Casey State Bank
Casey, Illinois
→
Assets: $485.72MΔ +0.4%
Solutions Bank
Forreston, Illinois
→
Assets: $479.48MΔ -0.9%
American Eagle Bank
South Elgin, Illinois
→
Assets: $487.85MΔ +0.9%
First Robinson Savings Bank, National Association
Robinson, Illinois
→
Assets: $496.63MΔ +2.7%
Devon Bank
Chicago, Illinois
→
Assets: $469.65MΔ -2.9%
Germantown Trust & Savings Bank
Breese, Illinois
→
Assets: $501.94MΔ +3.8%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1865 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62471 |
| State and County Number | 17051 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 86 |
| Domestic Offices | 7 |
| 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.thefnb.com |
| Data Updated | 01/30/2026 |
| CERT | 3840 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $493.98M |
| Total Deposits | $439.34M |
| Total Liabilities | $446.00M |
| Total Equity Capital | $47.98M |
| Net Income | $1.32M |
| Net Loans and Leases | $293.38M |
| Assets Per Employee ($Millions) | $5.74M |
| Bank Premises and Fixed Assets | $3.71M |
| Cash and Balances due from Depository Institutions | $9.52M |
| Deposits Held in Domestic Offices | $439.34M |
Key Performance Ratios
| Return on Assets (ROA) | 1.08% |
| Return on Equity (ROE) | 11.2% |
| Net Interest Margin | 3.62% |
| Efficiency Ratio | 58.82% |
| Tier 1 Risk-Based Capital Ratio | 17.465% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.713% |
| Earning Assets to total Assets | 92.38% |
Income and Expense
| Total Interest Income | $5.82M |
| Total Noninterest Income | $829.00k |
| Total Interest Expense | $1.73M |
| Total Noninterest Expense | $2.89M |
| Net Interest Income | $4.08M |
| Pre-tax Net Operating Income | $1.78M |
| Provision for Credit Losses | $240.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $103.00k |
| Other borrowed funds | $2.35M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.31M |
| Total Liabilities and Capital | $493.98M |
Securities
| Securities | $159.46M |
| Available-for-sale debt securities | $159.46M |
| 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 The FNB Community Bank?
$493.98M as of the latest filing.
How much are The FNB Community Bank's total deposits?
$439.34M in total deposits.
Where is The FNB Community Bank located?
Vandalia, IL.
What is the Net Interest Margin?
3.62%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1865.
What is the Return on Assets (ROA)?
1.08%.
How much are total loans and leases?
$293.38M (latest filing).
What is the total interest income (latest filing)?
$5.82M.