The FNB Community Bank
Vandalia, IL
IDRSSD: 137447
Total Assets
$483.61M
Latest filing
Total Deposits
$430.87M
Latest filing
Net Interest Margin
3.46%
Profitability
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 11/14/2025Established 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
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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 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 | 85 |
| 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 | 11/14/2025 |
| CERT | 3840 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $483.61M |
| Total Deposits | $430.87M |
| Total Liabilities | $437.41M |
| Total Equity Capital | $46.20M |
| Net Income | $1.17M |
| Net Loans and Leases | $272.07M |
| Assets Per Employee ($Millions) | $5.62M |
| Bank Premises and Fixed Assets | $3.73M |
| Cash and Balances due from Depository Institutions | $13.63M |
| Deposits Held in Domestic Offices | $430.87M |
Key Performance Ratios
| Return on Assets (ROA) | 0.96% |
| Return on Equity (ROE) | 10.62% |
| Net Interest Margin | 3.46% |
| Efficiency Ratio | 65.2% |
| Tier 1 Risk-Based Capital Ratio | 18.147% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.553% |
| Earning Assets to total Assets | 92.01% |
Income and Expense
| Total Interest Income | $5.56M |
| Total Noninterest Income | $764.00k |
| Total Interest Expense | $1.71M |
| Total Noninterest Expense | $3.01M |
| Net Interest Income | $3.85M |
| Pre-tax Net Operating Income | $1.53M |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $197.00k |
| Other borrowed funds | $2.35M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.18M |
| Total Liabilities and Capital | $483.61M |
Securities
| Securities | $166.10M |
| Available-for-sale debt securities | $166.10M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$483.61M as of the latest filing.
How much are The FNB Community Bank's total deposits?
$430.87M in total deposits.
Where is The FNB Community Bank located?
Vandalia, IL.
What is the Net Interest Margin?
3.46%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1865.
What is the Return on Assets (ROA)?
0.96%.
How much are total loans and leases?
$272.07M (latest filing).
What is the total interest income (latest filing)?
$5.56M.