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The Fnb Community Bank
Vandalia, IL · FDIC Certificate #3840 · Chartered 01/0
Total assets
$498.91M
Total deposits
$423.12M
Total equity
$49.85M
Net loans
$305.73M
Branches (offices)
7
Net income (YTD)
$3.19M
Rank: #1,790 of 4,213 U.S. banks by assets · #103 of 322 in Illinois. Assets changed 2.6% and deposits -3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 13.05% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 9.99% |
| Tier 1 leverage ratio | 12.57% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 0.78% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 72.3% |
| Real estate loans (share of loans) | 79.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $241.87M | 79.1% | |
| Commercial & industrial | $29.19M | 9.5% | |
| Consumer / individual | $5.02M | 1.6% | |
| Construction & development | $5.06M | 1.7% | |
| Agricultural | $32.91M | 10.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $461.68M | $417.34M | $2.07M | $36.22M |
| Jun 2023 | $475.00M | $418.08M | $2.11M | $37.83M |
| Jun 2024 | $478.94M | $421.02M | $1.47M | $38.96M |
| Jun 2025 | $486.08M | $437.94M | $2.21M | $41.77M |
| Jun 2026 | $498.91M | $423.12M | $3.19M | $49.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $423.12M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $423.12M.
Similar-sized banks
First State Bank And Trust ($499.01M) · Grinnell State Bank ($498.58M)
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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