Bank · FDIC insured
The FNB Community Bank
A $498.9M bank headquartered in Vandalia, IL, with 7 branches in Illinois. Best rates: CDs 4.16% and savings 0.10% APY.
The FNB Community Bank Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#54 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 The FNB Community Bank
Founded in 1865 as The National Bank of Vandalia, The FNB Community Bank became a state-chartered bank in 2019.
The bank was previously renamed The Bank of Vandalia in 1883, The First National Bank of Vandalia in 1895, and The First National Bank in 1994.
After acquiring Ramsey State Bank, First State Bank of Patoka, and branches in Greenville and Mulberry Grove, it operates locations across Vandalia, Ramsey, Patoka, Mulberry Grove, and Greenville.
- Headquarters
- 432 W Gallatin St, Vandalia, IL 62471
- FDIC certificate
- 3840 ↗
Branches
7 branches in Illinois
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Illinois
7 branches
Vandalia area · 3
- The FNB Community BankMain office432 W Gallatin St, Vandalia, IL 62471Directions
- Banker Blvd Branch311 Banker Blvd, Vandalia, IL 62471Directions
- Vandalia Branch1420 N 8th St, Vandalia, IL 62471Directions
St. Louis area · 2
- Greenville Branch1310 E City Route 40, Greenville, IL 62246Directions
- Mulberry Grove Branch102 Maple Street, Mulberry Grove, IL 62262Directions
Centralia area · 1
- Patoka Branch209 S Railroad St, Patoka, IL 62875Directions
Ramsey area · 1
- Ramsey Branch227 S Superior St, Ramsey, IL 62080Directions
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 | 12.57% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.78% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.29% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $73 | $81 | — |
- CapitalLeverage ratio12.57%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.78%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.29%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$73Peers’ 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 FNB Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.