FNB Community Bank, The
Vandalia, IL · Cert 3840 · Peer group: banks under $1B in assets in IL (n=149-151) · First Vandalia Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
$498.9MAssets
$309.3MLoans
$423.1MDeposits
$49.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 74% of banks under $1B in assets in IL (rank 39 of 151).
- Widest gap: equity / assets trails 62% of banks under $1B in assets in IL (rank 94 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.28%
Rank 46 of 151
Net Interest Margin
3.43%
Rank 77 of 151
Efficiency Ratio
58.94%
Rank 54 of 151
Equity / Assets
9.99%
Rank 94 of 151
Non-interest income vs. expense
Unfavorable gap of $8.4M · efficiency ratio beats 65% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.70% | 1.03% | 1.34% | Beats 70% | 46 / 151 | |
| Return on Equity | 12.81% | 6.74% | 9.34% | 12.94% | Beats 74% | 39 / 151 | |
| Net Interest Margin | 3.43% | 3.02% | 3.43% | 3.83% | Beats 49% | 77 / 151 | |
| Efficiency Ratio | 58.94% | 54.64% | 64.89% | 72.50% | Beats 65% | 54 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.20% | 0.66% | 1.77% | Beats 47% | 80 / 149 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 44% | 84 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 17.80% | 11.83% | 14.17% | 18.66% | Beats 70% | 45 / 151 | |
| Total Risk-Based Capital Ratio | 18.84% | 12.22% | 14.54% | 19.92% | Beats 72% | 42 / 151 | |
| Equity / Assets | 9.99% | 9.10% | 10.65% | 12.40% | Beats 38% | 94 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 73.09% | 54.39% | 71.02% | 80.75% | 54th pctl | 68 / 149 | |
| Loans / Assets | 61.99% | 45.91% | 61.31% | 68.01% | 51st pctl | 74 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |