FNB COMMUNITY BANK,THE

VANDALIA, IL | Small | Est. Jan. 1, 1865, midnight | FDIC #3840 | RSSD #137447 | FED
Latest Report: 2025-12-31

FNB COMMUNITY BANK,THE is asn small FDIC-insured commercial bank headquartered in VANDALIA, IL, established in Jan. 1, 1865, midnight. As of 2025-12-31, the bank reported total assets of $494M and total deposits of $439M. Profitability stands at 1.08% ROA and 11.20% ROE, with a net interest margin of 3.63%. The bank's CET1 capital ratio is 17.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.20%. FDIC Certificate #3840.

Assets

$494M

Deposits

$439M

Loans

$297M

Equity

$48M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 11.20%
Net Interest Margin (NIM) 3.63%
Yield on Assets 5.17%
Cost of Funds 1.58%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.20%
NPA Ratio 0.02%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 17.47%
Tier 1 Capital 17.47%
Total Capital Ratio 18.48%
Leverage Ratio 12.12%
Loan-to-Deposit 67.55%

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