Bank · FDIC insured
1NB Bank
A $319M bank headquartered in Carlyle, IL, with 5 branches in 2 states. Best rates: CDs 3.54% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs743.54%for 31–60 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About 1NB Bank
Founded in 1878 as The First National Bank in Carlyle, 1NB Bank is a locally owned institution headquartered in Carlyle, Illinois.
Operating five locations across Southern Illinois and Missouri, the bank focuses on agricultural lending alongside personal and business banking.
- Headquarters
- 891 Fairfax St, Carlyle, IL 62231
- FDIC certificate
- 14761 ↗
Branches
5 branches in 2 states
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Illinois
4 branches
- 1NB BankMain office891 Fairfax St, Carlyle, IL 62231Directions
- Aviston Branch500 W Harrison St, Aviston, IL 62216Directions
- St. Rose Facility Branch18001 Saint Rose Rd, Breese, IL 62230Directions
- 1350 12th Street Facility1350 12th St, Carlyle, IL 62231Directions
Missouri
1 branch
- Cape Girardeau Branch1610 N Kingshighway St, Cape Girardeau, MO 63701Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.29% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.08% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $82 | $81 | — |
- CapitalLeverage ratio10.29%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.08%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$82Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of 1NB Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.