TellerScore

The FNB Community Bank is a state-chartered bank (fed member) headquartered in Vandalia, Illinois, in business for about 161 years. At the end of Q2 2026 it reported $498.9M in total assets and $423.1M in deposits, with 7 offices.

The FNB Community Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 100th. Problem-loan coverage contributes the most (91/100, 4.6%); earnings contributes the least (72/100, 1.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.57%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.78%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 72.3% · 26.1% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (80 → 76), mostly because the loan quality component weakened by 24 points.

TellerScore
757881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202476
Q4 202475
Q1 202577
Q2 202580
Q3 202580
Q4 202578
Q1 202681
Q2 202676
Tier 1 leverage ratio
5.00%8.78%12.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.77%
Q3 202411.89%
Q4 202411.85%
Q1 202512.22%
Q2 202512.07%
Q3 202512.35%
Q4 202512.12%
Q1 202612.34%
Q2 202612.57%
Noncurrent loans
0.07%0.43%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.17%
Q4 20240.27%
Q1 20250.13%
Q2 20250.07%
Q3 20250.10%
Q4 20250.22%
Q1 20260.09%
Q2 20260.78%
Return on assets
0.61%0.95%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.61%
Q4 20240.66%
Q1 20250.62%
Q2 20250.93%
Q3 20250.94%
Q4 20250.97%
Q1 20261.13%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$498.9M12.57%0.78%1.29%72.3%
Q1 202681$492.4M12.34%0.09%1.13%68.7%
Q4 202578$494.0M12.12%0.22%0.97%66.8%
Q3 202580$483.6M12.35%0.10%0.94%63.1%
Q2 202580$486.1M12.07%0.07%0.93%60.5%
Q1 202577$474.8M12.22%0.13%0.62%61.1%
Q4 202475$469.3M11.85%0.27%0.66%62.9%
Q3 202476$476.3M11.89%0.17%0.61%61.4%
Q2 202476$478.9M11.77%0.12%0.61%59.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.57%
71st
Total risk-based capital18.85%
83rd
Problem loans0.78%
34th
Net charge-offs0.02%
38th
Return on assets1.29%
53rd
Net interest margin3.70%
37th
Efficiency ratio58.9%
60th
Loans to deposits72.3%
65th
Uninsured deposits26.1%
42nd
Loan-loss reserves1.14%
44th
Texas ratio4.6%
38th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Casey State BankBank Casey, IL70 out of 100, Strong$496.7M11.0%1.02%vs
Petefish, Skiles & Co.Bank Virginia, IL75 out of 100, Strong$501.6M9.1%0.14%vs
Grundy BankBank Morris, IL85 out of 100, Very strong$504.7M12.6%0.20%vs
Solutions BankBank Forreston, IL67 out of 100, Moderate$491.6M8.8%0.49%vs
First State Bank and TrustBank Monticello, IL73 out of 100, Strong$509.6M9.2%0.44%vs
First Robinson Savings Bank, National AssociationBank Robinson, IL57 out of 100, Moderate$512.1M8.7%1.37%vs

Deposit insurance

Is my money safe at The FNB Community Bank?

Yes. The FNB Community Bank is an FDIC-insured institution (FDIC certificate #3840). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.1% of deposits ($110.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.85% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

The FNB Community Bank lists 7 offices in 5 cities. Most locations:

  • Vandalia, IL (3)
  • Greenville, IL (1)
  • Mulberry Grove, IL (1)
  • Patoka, IL (1)
  • Ramsey, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The FNB Community Bank reported 106 home-loan applications under HMDA (LEI 549300CW5TQ2ILVQPH09): 93 originated ($10,185,000 total), 10 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The FNB Community Bank
Former names
The First National Bank of Vandalia; The First National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
3840
RSSD ID
137447
Primary regulator
FED
Holding company
First Vandalia Corp
Established
January 1, 1865
Headquarters
432 W Gallatin St, Vandalia, IL 62471
Employees
85

Quick answers

The FNB Community Bank: common questions

Is The FNB Community Bank FDIC insured?

Yes. The FNB Community Bank is an FDIC-insured institution (FDIC certificate #3840). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The FNB Community Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The FNB Community Bank ever failed?

There is no failure record for FDIC certificate #3840 in the FDIC failed bank list.

How many branches does The FNB Community Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Vandalia

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of Beecher CityBank Beecher City, IL88 out of 100, Very strong$112.2M16.0%0.81%vs
Kinmundy BankBank Kinmundy, IL85 out of 100, Very strong$80.1M13.0%0.67%vs
First State Bank of St. PeterBank Saint Peter, IL83 out of 100, Strong$30.1M18.5%1.71%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Taylorville Community Credit UnionCredit union Taylorville, IL77 out of 100, Strong$90.8M12.6%0.87%vs