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 First National Bank of Waterloo
First National Bank of Waterloo
| RSSD ID 145545 | CERTIFICATE 3842 | ABA NUMBER 81017478 |
| 228 S Main St |
Quarter Ended : |
2025-09-30 |
| Waterloo, Illinois, 62298 |
Updated : |
2025-10-30 |
| 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 : |
163 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 925,705 |
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Total Interest Income | 29,689 |
| Total Liabilities | 838,802 |
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Total NonInterest Income | 3,901 |
| Total Bank Equity Capital | 86,903 |
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Total Interest Expense | 10,118 |
| Total Deposits | 764,924 |
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Total NonInterest Expense | 17,304 |
| Net Loans & Leases | 533,440 |
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Net Income | 4,341 |
| Loan Loss Allowance | 8,275 |
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Net Charge Offs | 208 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 90,390 |
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Total loans | 535,072 |
| Total assets for the leverage ratio | 926,118 |
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Loans secured by real estate: | 458,929 |
| Tier 1 Leverage Ratio | 8.91 |
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Commercial and industrial loans | 54,437 |
| Tier 1 Capital Ratio | 13.04 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.29 |
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Loans to individuals - Other | 4,801 |
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:· First National Bank of Waterloo
