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First National Bank Of Waterloo
Waterloo, IL · FDIC Certificate #3842 · Chartered 06/1
Total assets
$929.32M
Total deposits
$779.64M
Total equity
$91.68M
Net loans
$539.92M
Branches (offices)
16
Net income (YTD)
$4.50M
Rank: #1,116 of 4,213 U.S. banks by assets · #56 of 322 in Illinois. Assets changed 0.3% and deposits 0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 10.05% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 9.87% |
| Tier 1 leverage ratio | 9.21% |
| Uninsured deposits (share of deposits) | 14.0% |
| Noncurrent loans (share of loans) | 1.33% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 69.3% |
| Real estate loans (share of loans) | 87.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $471.30M | 87.3% | |
| Commercial & industrial | $43.18M | 8.0% | |
| Consumer / individual | $4.09M | 0.8% | |
| Construction & development | $42.45M | 7.9% | |
| Agricultural | $14.61M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $811.27M | $677.21M | $2.52M | $61.67M |
| Jun 2023 | $832.02M | $693.03M | $1.03M | $58.92M |
| Jun 2024 | $918.08M | $764.56M | $1.84M | $79.13M |
| Jun 2025 | $926.98M | $774.29M | $2.81M | $83.48M |
| Jun 2026 | $929.32M | $779.64M | $4.50M | $91.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $779.63M | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $779.63M.
Similar-sized banks
Greenfield Banking Company ($930.49M) · West Alabama Bank & Trust ($928.95M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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