The FNB Community Bank: how it compares with its peers
Against 116 IL banks with half to twice its assets, The FNB Community Bank's strongest measure in Q2 2026 is efficiency ratio (58.94% vs. a 62.63% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $7.3M).
| Measure | The FNB Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.16% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.65% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.94% | 62.63% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $7.3M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.26% | 77.89% | Context |
What it means for lending operations
Its efficiency ratio of 58.94% is better than the 62.63% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Casey State Bank Casey, IL · $497M
- Petefish, Skiles & Co. Virginia, IL · $502M
- Grundy Bank Morris, IL · $505M
- Solutions Bank Forreston, IL · $492M
- First State Bank and Trust Monticello, IL · $510M
- First Robinson Savings Bank, National Association Robinson, IL · $512M
Questions about The FNB Community Bank
How big is The FNB Community Bank?
The FNB Community Bank, established in 1865, is headquartered in Vandalia, IL. It reported $499M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is The FNB Community Bank's return on assets?
1.29% annualized in Q2 2026, against a 1.16% median for 116 IL banks with half to twice its assets, ahead of 57% of them.
What is The FNB Community Bank's efficiency ratio?
58.94% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 62.63%, and lower is better.
Is The FNB Community Bank growing its loans?
Net loans grew 15.5% over the year to Q2 2026, while deposits shrank 3.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.