Bank · FDIC insured
The First National Bank of Sparta
A $114.6M bank headquartered in Sparta, IL, with 1 branch in Illinois. Best rates: CDs 2.85% and savings 0.50% APY.
The First National Bank of Sparta Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#225 of 281 in IllinoisHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The First National Bank of Sparta
The First National Bank of Sparta is located in Sparta, Illinois.
- Headquarters
- 101 W Broadway St, Sparta, IL 62286
- FDIC certificate
- 3837 ↗
Branches
1 branch in Illinois
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Illinois
1 branch
- The First National Bank of SpartaMain office101 W Broadway St, Sparta, IL 62286Directions
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 | 12.64% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.56% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.95% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $49 | $81 | — |
- CapitalLeverage ratio12.64%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.56%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.95%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$49Peers’ 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 The First National Bank of Sparta are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.