FDIC Cert #3840 · Vandalia, Illinois · Est. 1865

The FNB Community Bank - FDIC Bank Health Profile

A community-scale look at The FNB Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$494M
Total assets
A
Health grade · Excellent
0.97%
Return on assets
17.5%
Tier 1 capital

Data updated July 2026

The verdict

The FNB Community Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 17.47% Tier 1, 0.97% ROA, 63% efficiency ratio.

#1,799
largest of 4,313 FDIC banks by assets
58th
percentile by asset size, nationally
17.47%
Tier 1 ratio - above the 10% well-capitalized line
41st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 3840 · IL A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1767/4307
  • PHOTO-FINISH American Heritage Bank · OK
  • TIER1-WELL 17.5% Tier 1
  • TEXAS-CLEAN 1.3% Texas
  • ROA-PAR 0.97% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: American Heritage Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The FNB Community Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Heritage Bank · OK …82/100The Citizens Nationa… · TX ·…82/100The First National B… · IA ·…82/100The FNB Community Bank · IL …82/100TPNB Bank · MO · near82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The FNB Community Bank · July 2026

Call Report read for The FNB Community Bank in a high-failure state

The FNB Community Bank (FDIC Cert #3840) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,767 of 4,307. Tier 1 capital prints at 17.47%, clearing the 10% well-capitalized line. The Texas Ratio is 1.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.97%. Balance-sheet scale is $494M, 1,799th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Heritage Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The FNB Community Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

The FNB Community Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about The FNB Community Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How The FNB Community Bank's 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
The FNB Community Bank's composite health score
Tier 1 Capital Ratio (17.47%) 40/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (1.26%) 20/20
Efficiency Ratio (62.79%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$494M

Total balance-sheet footings

Total Deposits

$439M

Customer-funded liabilities

Net Loans

$293M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.07% 17.47% 18.87%
Basel III capital ratios - The FNB Community Bank

Where The FNB Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The FNB Community Bank's score of 82/100 falls in the highlighted band.

The FNB Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 41% higher than 59% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The FNB Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The FNB Community Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The FNB Community Bank's $494M falls in the highlighted band.

Capital & credit buffers at The FNB Community Bank

Tier 1 capital ratio
Well-capitalized 10%

17.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.47%
Texas Ratio
1.26%
Equity Capital
$48M

What these ratios mean →

Profitability metrics: The FNB Community Bank

Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
10.81%
Efficiency Ratio
62.79%

What these mean →

Income & expense at The FNB Community Bank

$22M
Interest Income
$3M
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The FNB Community Bank reports a Texas Ratio of 1.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The FNB Community Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($494M here), outside Illinois so the neighborhood is not state containment.

Peoples Bank $494M · IA Silver Lake Bank $494M · KS Northern State Bank of Thief River Fa… $494M · MN River City Bank, Inc. $494M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The FNB Community Bank (FDIC Cert #3840) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The FNB Community Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%