Applications / Mortgage Analytics / Lenders / Illinois / The FNB Community Bank
Vandalia, IL · State member bank · FRS · $494 million assets · 93 loans in 2025
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93
loans originated, 2025
106
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The FNB Community Bank makes unusually small home loans, a typical $75,000 against $175,000 at similar lenders, and gives a larger share of its loans to low- and moderate-income (LMI) borrowers than almost all peers.
It lent $10.2 million in 2025, against a typical $28.0 million for similar lenders (state member banks making between half and twice as many loans), among the lowest few, and its typical loan was among the smallest of all. Manufactured homes were 10.8% of its loans, against 2.1% for similar lenders; they, and local house prices in the ten counties it serves, may explain this.
LMI borrowers took 43.7% of its loans, against 27.1% for peers, higher than more than nine in ten. LMI areas took 31.2%, against 16.6% for peers. None of its loans were in majority-minority areas, against 5.8% for peers, which could reflect where it lends.
Refinances made up 39.8% of its loans, close to the 43.0% for home purchase.
Originations fell 5% to 93, while similar lenders rose 8% and the whole market rose 10%; its change was lower than about seven in ten of them. Volume has drifted down from 126 in 2018, which could mean a settled local customer base.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The FNB Community Bank took 106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.0% · Refinance 39.8% · Other 11.8% · Home improvement 5.4%
Conventional 96.8% · USDA (RHS or FSA) 3.2% · of 93 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 92 | 98.9% |
| Kentucky | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 29 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CW5TQ2ILVQPH09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 137447 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14994 | 2009–2017 |
Established 1 January 1865. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: The FNB Community Bank's data.
The FNB Community Bank's data
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The FNB Community Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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