The Fnb Community Bank is a bank based in Vandalia, Illinois, established in 1865, with $492 million in total assets across 7 branches. By Trust Grade it ranks 105th of 328 banks we track in Illinois. Its capital ratio of 9.9% trails most similarly sized banks (47th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.13% return on assets. No consumer complaints against The Fnb Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Fnb Community Bank compares to Illinois peers
How we graded The Fnb Community Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.9% capital ratio)
- Strongly profitable (ROA 1.13%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Fnb Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 1310 E City Route 40, Greenville, IL 62246
- 227 S Superior St, Ramsey, IL 62080
- 432 W Gallatin St, Vandalia, IL 62471
- 1420 N 8th St, Vandalia, IL 62471
- 102 Maple Street, Mulberry Grove, IL 62262
- 311 Banker Blvd, Vandalia, IL 62471
- 209 S Railroad St, Patoka, IL 62875
Are deposits at The Fnb Community Bank insured?
Yes. The Fnb Community Bank is an FDIC-insured bank (FDIC certificate #3840). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Fnb Community Bank: frequently asked questions
Is The Fnb Community Bank a good bank?
The Fnb Community Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (9.9% capital ratio); Strongly profitable (ROA 1.13%).
Is The Fnb Community Bank FDIC-insured?
Yes. The Fnb Community Bank is a FDIC-insured bank (FDIC certificate #3840). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Fnb Community Bank?
The Fnb Community Bank holds $492 million in total assets, ranking 105th of 328 banks we track in Illinois. It operates 7 branches.
Does The Fnb Community Bank have CFPB complaints?
No CFPB complaints against The Fnb Community Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
