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 First National Bank of Waterloo
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First National Bank of Waterloo
| RSSD ID 145545 | CERTIFICATE 3842 | ABA NUMBER 81017478 |
| 228 S Main St |
Quarter Ended : |
2026-06-30 |
| Waterloo, Illinois, 62298 |
Updated : |
2026-08-11 |
| www.fnbwaterloo.bank |
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| Institution Profile |
| Year Opened : |
1912 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
16 |
Number of Employees : |
164 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 929,324 |
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Total Interest Income | 21,255 |
| Total Liabilities | 837,646 |
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Total NonInterest Income | 2,695 |
| Total Bank Equity Capital | 91,678 |
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Total Interest Expense | 6,367 |
| Total Deposits | 779,636 |
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Total NonInterest Expense | 11,222 |
| Net Loans & Leases | 539,195 |
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Net Income | 4,503 |
| Loan Loss Allowance | 8,546 |
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Net Charge Offs | 83 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 95,402 |
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Total loans | 543,600 |
| Total assets for the leverage ratio | 943,944 |
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Loans secured by real estate: | 469,950 |
| Tier 1 Leverage Ratio | 9.21 |
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Commercial and industrial loans | 48,672 |
| Tier 1 Capital Ratio | 12.88 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.13 |
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Loans to individuals - Other | 4,059 |
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:· First National Bank of Waterloo
