First National Bank of Waterloo
Operating from Waterloo, IL, First National Bank of Waterloo serves its local market as an FDIC-insured commercial bank. First National Bank of Waterloo's Q1 2026 balance sheet shows $949M in assets funded primarily by $789M in customer deposits. Returns are in line with industry norms at 0.88% ROA and 9.44% ROE; net interest margin is 3.27%. Capital cushions are healthy: 12.56% CET1, 9.03% Tier 1 leverage. Asset quality merits closer attention with NPLs at 1.73%. First National Bank of Waterloo operates a 16-branch network.
Headquarters Profile
- Address
- 228 S Main St, WATERLOO, IL 62298
- County
- Monroe
- Metro Area
- ST. LOUIS, MO-IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 9
- Established
- June 12, 1912
- Branches
- 16 domestic
- Employees (FTE)
- 161
- FDIC Cert
- 3842
- Fed RSSD
- 145545
- Website
- www.fnbwaterloo.bank →
- Parent Holding Company
- FIRST WATERLOO BANCSHARES, INC. (RSSD 1135404)
Capital & Liquidity
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First National Bank of Waterloo rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
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Frequently asked about First National Bank of Waterloo
What are First National Bank of Waterloo's total assets?
As of the Q1 2026 filing, First National Bank of Waterloo reported total assets of $948.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Waterloo headquartered?
First National Bank of Waterloo is headquartered in WATERLOO, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Waterloo founded?
First National Bank of Waterloo was established in 1912, per the FDIC institution directory.
Is First National Bank of Waterloo FDIC-insured?
Yes. First National Bank of Waterloo is an FDIC-insured commercial bank (FDIC Certificate #3842). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Waterloo?
First National Bank of Waterloo's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank of Waterloo's CET1 capital ratio?
First National Bank of Waterloo reported a Common Equity Tier 1 (CET1) capital ratio of 12.56% in its most recent quarterly filing — above regulatory minimums.
How many branches does First National Bank of Waterloo operate?
First National Bank of Waterloo operates 16 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank of Waterloo's Texas Ratio?
First National Bank of Waterloo's Texas Ratio is 11.50% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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