Bank · FDIC insured
First National Bank of Lacon
A $103.7M bank headquartered in Lacon, IL, with 1 branch in Illinois. Best rates: CDs 2.48% and savings 0.55% APY.
First National Bank of Lacon Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#18 of 27 in Peoria, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank of Lacon
First National Bank of Lacon is a locally owned, independent bank that has served its community for over 150 years.
The bank specializes in agricultural lending, providing loans for operating expenses, machinery, livestock, and real estate.
- Headquarters
- 111 S Broad St, Lacon, IL 61540
- FDIC certificate
- 3688 ↗
Branches
1 branch in Illinois
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Illinois
1 branch
- The First National Bank of LaconMain office111 S Broad St, Lacon, IL 61540Directions
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 | 11.78% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.14% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.18% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $72 | $81 | — |
- CapitalLeverage ratio11.78%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.14%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.18%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$72Peers’ 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 First National Bank of Lacon are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.