First National Bank of Waterloo: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Waterloo, IL, First National Bank of Waterloo serves its local market as an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $929M in assets, including $548M in loans. Profitability tracks the broader industry: ROA 1.01%, ROE 10.70%, NIM 3.50%. Regulatory capital is solid, 12.88% CET1 and 14.13% total risk-based capital ratio. Credit conditions bear watching: 1.88% NPL ratio with a 12.17% Texas Ratio (elevated but below the 100% concern level). Its footprint covers 16 branches concentrated in Illinois.
As of June 30, 2026, First National Bank of Waterloo reported a CET1 capital ratio of 12.88%, a return on assets of 1.01%, a nonperforming-loan ratio of 1.88%, a Texas ratio of 12.17%, per financial data filed with the FFIEC.
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
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 12, 1912
- Offices
- 16 domestic
- Employees (FTE)
- 164
- Domestic deposits
- $779.6M
- Allowance for credit losses
- $8.5M
- Net charge-offs (YTD)
- $83K
- Average total assets
- $954.9M
- Average total loans
- $543.6M
- Average interest-bearing deposits
- $633.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3842
- Fed RSSD
- 145545
- SEC CIK
- 771793 → filed by FIRST WATERLOO BANCSHARES, INC.
- Website
- www.fnbwaterloo.bank →
- Parent Holding Company
- FIRST WATERLOO BANCSHARES, INC. (RSSD 1135404)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank of Waterloo terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First National Bank of Waterloo, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First National Bank of Waterloo rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.88% | 1.01% | 1.88% | 12.17% | 3.50% |
| Q1 2026 | 12.56% | 0.88% | 1.73% | 11.50% | 3.27% |
| Q4 2025 | 12.42% | 0.50% | 1.68% | 12.03% | 3.29% |
| Q3 2025 | 13.04% | 0.66% | 1.46% | 10.42% | 3.20% |
| Q2 2025 | 12.56% | 0.67% | 1.56% | 13.70% | 3.05% |
| Q1 2025 | 12.33% | 0.53% | 1.61% | 14.17% | 2.83% |
| Q4 2024 | 12.55% | 0.62% | 1.46% | 12.82% | 2.69% |
| Q3 2024 | 12.78% | 0.30% | 1.38% | 12.83% | 2.59% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 16 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of Waterloo (main office) | Waterloo , IL | 62298 | $186.9M |
| Columbia Branch | Columbia , IL | 62236 | $98.9M |
| Millstadt Branch | Millstadt , IL | 62260 | $84.4M |
| North Facility | Waterloo , IL | 62298 | $69.7M |
| Saint Libory Branch | Saint Libory , IL | 62282 | $50.3M |
| Collinsville Branch | Collinsville , IL | 62234 | $39.5M |
| Stewardson Banking Center Branch | Stewardson , IL | 62463 | $36.6M |
| Marissa Branch | Marissa , IL | 62257 | $32.4M |
| O'Fallon Banking Center Branch | O'Fallon , IL | 62269 | $31.2M |
| Maryville Branch | Maryville , IL | 62062 | $29.2M |
| Swansea Banking Center Branch | Swansea , IL | 62226 | $24.6M |
| New Athens Branch | New Athens , IL | 62264 | $23.6M |
| Effingham Branch | Effingham , IL | 62401 | $22.8M |
| Smithton Branch | Smithton , IL | 62285 | $21.8M |
| Dupo Banking Center Branch | Dupo , IL | 62239 | $15.1M |
| Waterloo Wal-Mart Bkg. Center Branch | Waterloo , IL | 62298 | $12.5M |
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 |
|---|---|---|---|
| July 17, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 17, 2023 | Structure Change | Acquired The Village Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 29, 2020 | Structure Change | Acquired Best Hometown Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2015 | Structure Change | Acquired Prairie National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for First National Bank of Waterloo, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- August 16, 2000, OCC: Civil Money Penalty (CMP): The First National Bank of Waterloo
- Period: Most recent institution action August 16, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IL, rank 75 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 225 applications, 202 loans originated, $55.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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 Q2 2026 filing, First National Bank of Waterloo reported total assets of $929.3 million in its 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 12.88% in its Q2 2026 call report, above regulatory requirements.
How many branches does First National Bank of Waterloo operate?
First National Bank of Waterloo operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Waterloo's Texas Ratio?
First National Bank of Waterloo's Texas Ratio is 12.17% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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