Bank · FDIC insured
First National Bank of Raymond
A $187.1M bank headquartered in Raymond, IL, with 5 branches in Illinois. Best rates: CDs 3.76% and savings 0.20% APY.
First National Bank of Raymond Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#66 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank of Raymond
The First National Bank of Raymond specializes in agricultural lending with loan officers experienced in the field.
- Headquarters
- 403 E Broad St, Raymond, IL 62560
- FDIC certificate
- 3830 ↗
Branches
5 branches in Illinois
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Illinois
5 branches
St. Louis area · 2
- Girard Branch625 N 3rd St, Girard, IL 62640Directions
- Virden Branch103 S Springfield St, Virden, IL 62690Directions
Raymond area · 1
- The First National Bank of RaymondMain office403 E Broad St, Raymond, IL 62560Directions
Taylorville area · 1
- Morrisonville Branch401 Sarpy St, Morrisonville, IL 62546Directions
Springfield area · 1
- Pawnee Branch700 Carroll St, Pawnee, IL 62558Directions
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 | 10.91% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.42% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.33% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $48 | $81 | — |
- CapitalLeverage ratio10.91%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.42%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.33%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$48Peers’ 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 Raymond are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.