The FNB Community Bank is an FDIC insured institution headquartered at
432 W Gallatin St, Vandalia, IL 62471.
Deposit Rates -
August 24, 2026
SAVINGS RATES
APY
MIN
Savings
0.20% $1
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CD RATES
APY
MIN
6 Mo CD
0.40% $1,000
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Special: 7 Mo CD
0.50% $1,000
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12 Mo CD
0.75% $1,000
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Special: 14 Mo CD
0.75% $1,000
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Special: 18 Mo CD
0.80% $1,000
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24 Mo CD
0.90% $1,000
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36 Mo CD
1.05% $1,000
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Special: 38 Mo CD
1.05% $1,000
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48 Mo CD
1.26% $1,000
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60 Mo CD
1.36% $1,000
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MM RATES
APY
MIN
Money Market
0.25% $1,000
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FIXED IRA RATES
APY
MIN
Special: 7 Mo FIRA
0.50% $1,000
Special: 14 Mo FIRA
0.75% $1,000
Special: 18 Mo FIRA
0.80% $1,000
Special: 38 Mo FIRA
1.05% $1,000
INT CHECKING RATES
APY
MIN
0.10% $2,500
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 3840
Date Established
1865
Assets
$ 493.98 million
Loans
$ 293.38 million
Deposits
$ 439.34 million
Capital
$ 47.98 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 9.52 million
Interest-bearing balances
$ 3.50 million
Total securities
$ 159.46 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 293.38 million
Loan loss allowance
$ 3.38 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.10 million
Goodwill and other intangibles
$ 3.25 million
All other assets
$ 21.75 million
Total Assets $ 446.00 million
LIABILITIES
Total deposits
$ 439.34 million
Interest-bearing deposits
$ 358.72 million
Deposits held in domestic offices
$ 439.34 million
% insured (estimated)" 71.30%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
$ 5.33 million
Subordinated debt
N.A.
All other liabilities
$ 2.79 millionn
Total Liabilities $ 446.00 million
Shareholders’ Equity $ 47.98 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 21.96 million
Total Interest Expense
$ 6.91 million
Net interest income
$ 15.04 million
Provision for loan and lease losses
$ 0.33 million
Total non interest income
$ 3.35 million
Total non interest expense
$ 11.55 million
Pre-tax Net Operating Income
$ 2.59 million
Customer Reviews for The FNB Community Bank
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