Bank · FDIC insured
First National Bank of Waterloo
A $929.3M bank headquartered in Waterloo, IL, with 16 branches in Illinois. Best rates: CDs 3.96% and savings 0.35% APY.
First National Bank of Waterloo Carrot Score
73
Carrot Score
Higher than 35% of U.S. banks and credit unions
#51 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 Waterloo
Chartered in 1912, First National Bank of Waterloo is a locally owned community bank.
The bank operates 16 banking centers in southern Illinois.
- Headquarters
- 228 S Main St, Waterloo, IL 62298
- FDIC certificate
- 3842 ↗
Branches
16 branches in Illinois
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Illinois
16 branches
St. Louis area · 14
- First National Bank of WaterlooMain office228 S Main St, Waterloo, IL 62298Directions
- Collinsville Branch100 E Clay St, Collinsville, IL 62234Directions
- Columbia Branch1421 N Main St, Columbia, IL 62236Directions
- Dupo Banking Center Branch107 N 2nd St, Dupo, IL 62239Directions
- Marissa Branch720 E Lyons St, Marissa, IL 62257Directions
- Maryville Branch2110 N Center St, Maryville, IL 62062Directions
- Millstadt Branch645 E Washington St, Millstadt, IL 62260Directions
- New Athens Branch600 S Van Buren St, New Athens, IL 62264Directions
- O'Fallon Banking Center Branch1177 N Green Mount Rd, O'Fallon, IL 62269Directions
- Smithton Branch4053 State Route 159, Smithton, IL 62285Directions
- Saint Libory Branch856 Sparta St, St. Libory, IL 62282Directions
- Swansea Banking Center Branch4101 N Illinois St, Swansea, IL 62226Directions
- North Facility744 N Market St, Waterloo, IL 62298Directions
- Waterloo Wal-Mart Bkg. Center Branch961 N Market St, Waterloo, IL 62298Directions
Effingham area · 1
- Effingham Branch210 E Fayette Ave, Effingham, IL 62401Directions
Stewardson area · 1
- Stewardson Banking Center Branch110 E Main St, Stewardson, IL 62463Directions
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 | 9.21% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.33% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.96% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio9.21%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.33%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.96%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ 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 Waterloo are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.