The FNB Community Bank
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Data as of · sourced from FFIEC call reports. How we update
The FNB Community Bank is an FDIC-insured commercial bank headquartered in Vandalia, IL, established in 1865 (FDIC certificate 3840), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $498.9M, up 2.6% from Q2 2025, the 102nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 17.80% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3840
- Headquarters
- Vandalia, IL
- Established
- 1865
- Total assets, Q2 2026
- $498.9M
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 17.80%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 081205112
- Latest call report
- Q2 2026, FFIEC 051 · The FNB Community Bank call report
- Holding company
- FIRST VANDALIA CORP.
- Asset rank in state
- 102nd of 319 in Illinois
Problem loans are rising at The FNB Community Bank. Based in Vandalia, Illinois, it had $499 million in assets at June 30, 2026, up 2.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.78% of loans from 0.07% a year earlier. It lost 3.4% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%).
Loans and deposits moved in opposite directions: over the year loans rose 15.5% and deposits fell 3.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $22 million equal 35% of Tier 1 capital, down from 47% a year earlier. One more trend to watch: delinquency has appeared in its $42 million non-owner-occupied commercial real estate book: 1.16% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, The FNB Community Bank reported a CET1 capital ratio of 17.80%, a return on assets of 1.44%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 4.88%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The FNB Community Bank is the 102nd largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $498.9M, loans rose 2.7% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 25.0% of total loans, followed by farmland and other real estate loans at 22.6%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Vandalia 3 offices book 64% of its branch deposits. By the capital ratios in its Q2 2026 call report, The FNB Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 432 W Gallatin St, Vandalia, IL 62471
- County
- Fayette
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1865
- Former names
- The FNB Community Bank (2019); The First National Bank (1994-2019)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $423.1M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $34K
- Average total assets
- $498.1M
- Average total loans
- $307.0M
- Average interest-bearing deposits
- $352.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3840
- Fed RSSD
- 137447
- Website
- www.thefnb.com →
- Parent Holding Company
- FIRST VANDALIA CORP. (RSSD 1099654)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The FNB Community Bank's total assets ranged from $469.3M (Q4 2024) to $498.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$498.9M total assets against $486.1M; $449.1M total liabilities against $444.3M.
$305.7M net loans and leases against $264.8M; $423.1M total deposits against $437.9M.
$153.6M securities against $163.3M; $8.4M cash and balances due against $25.3M.
$6.0M total interest income against $5.5M; $1.6M total interest expense against $1.7M.
$4.4M net interest income against $3.7M.
$1.1M total noninterest income against $1.0M; $3.1M total noninterest expense against $2.8M.
$140K provision for credit losses against $14K.
$1.8M net income against $1.5M.
1.44% return on assets against 1.23%; 3.66% net interest margin against 3.20%.
17.80% CET1 capital ratio against 18.14%; 12.57% tier 1 leverage ratio against 12.07%.
Inside the full The FNB Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe FNB Community Bank rankings
Its closest position to the top of a national ranking is 501 of 2,134, for CET1 ratio; its furthest is 1,783 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.61% (Q3 2024) to 1.44% (Q2 2026) and its net interest margin ran from 2.65% (Q3 2024) to 3.66% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.80% | 1.44% | 0.78% | 4.88% | 3.66% |
| Q1 2026 | 17.56% | 1.13% | 0.09% | 0.66% | 3.47% |
| Q4 2025 | 17.47% | 1.06% | 0.22% | 1.55% | 3.45% |
| Q3 2025 | 18.15% | 0.97% | 0.10% | 1.00% | 3.33% |
| Q2 2025 | 18.14% | 1.23% | 0.07% | 0.95% | 3.20% |
| Q1 2025 | 18.29% | 0.62% | 0.13% | 1.05% | 2.97% |
| Q4 2024 | 17.70% | 0.81% | 0.27% | 2.06% | 2.78% |
| Q3 2024 | 17.94% | 0.61% | 0.17% | 1.36% | 2.65% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Fnb Community Bank | Vandalia , IL | 62471 | $236.9M |
| Greenville Branch | Greenville , IL | 62246 | $58.1M |
| Ramsey Branch | Ramsey , IL | 62080 | $42.1M |
| Patoka Branch | Patoka , IL | 62875 | $33.0M |
| Vandalia Branch | Vandalia , IL | 62471 | $18.5M |
| Mulberry Grove Branch | Mulberry Grove , IL | 62262 | $17.9M |
| Banker Blvd Branch | Vandalia , IL | 62471 | $16.7M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1994 | Structure Change | Acquired The Ramsey State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 123 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 106 applications, 93 loans originated, $10.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $114K approved, $114K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The FNB Community Bank
What are The FNB Community Bank's total assets?
As of the Q2 2026 filing, The FNB Community Bank reported total assets of $498.9 million in its FFIEC call report.
Where is The FNB Community Bank headquartered?
It is headquartered in Vandalia, IL, United States.
When was The FNB Community Bank founded?
It was established in 1865, per the FDIC institution directory.
Is The FNB Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3840). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The FNB Community Bank?
The FNB Community Bank's primary federal regulator is the Federal Reserve.
What is The FNB Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.80% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The FNB Community Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The FNB Community Bank's Texas Ratio?
Its Texas Ratio is 4.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The FNB Community Bank previously called?
The charter now named The FNB Community Bank has also operated as The FNB Community Bank (2019), The First National Bank (1994-2019), per FDIC structure-change records.
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