The FNB Community Bank

BankVandalia, Illinois
www.thefnb.com

Total Assets

$494.0M

Total Deposits

$439.3M

Branches

7

Established

1865

TFS Health Grade

$
C+

78.2 / 100

Average financial health

How we grade

The FNB Community Bank is a bank headquartered in Vandalia, Illinois, established in 1865. With $494.0M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C+ (78.2/100).

Capital & Safety

Tier 1 Capital Ratio
12.12%(8%)
Total Capital Ratio
18.48%(10%)
Non-Performing Loan Ratio
0.22%

Profitability

Return on Assets (ROA)
0.97%(1%)
Return on Equity (ROE)
10.81%(10%)
Net Interest Margin
3.39%
Efficiency Ratio
62.79%(60%)

Lending & Liquidity

Total Loans
$296.8M
Loan-to-Deposit Ratio
66.78%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+5.26%
Deposit Growth (YoY)
+5.45%
Net Income
$4.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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