Effingham, IL Banking Center

The First National Bank of Waterloo has been a lending leader in local communities since 1912.   Through our vast experience with lending solutions, our team of banking experts helps businesses flourish and residents’ dreams come true.   Through our goals as a community bank, our customer-focused approach has set a standard for banking in the area.  Our banking center in Effingham brings another customer-focused banking option to Central Illinois.

Our bank in Effingham is located at 210 East Fayette. First National Bank of Waterloo is proud to be a full service community bank. Visit us in person to experience firsthand what a hometown bank is all about or call us at 217-342-3200.  We can help with any of your banking needs! 


210 East Fayette
Effingham, IL 62401



8:30am-4:30pm – Monday to Thursday  
8:30am-5:00pm – Friday  
8:30am-Noon – Saturday  

7:30am-5:00pm – Monday to Thursday  
7:30am-6:00pm – Friday  
7:30am-Noon – Saturday

Meet Our Staff!

They are ready to meet you!

Pictured from left to right: Erika Walk, Financial Service Representative
Deborah Womack, AVP – Loan Officer
Kristen Doty, AVP – Center Manager
Dennis Rubin, SVP – Community President
April Florida, Financial Service Representative
Kipp Rexroat, Financial Service Representative
Denise Connelly, Financial Service Representative

5-Star Rated by BauerFinancial, Inc.


Encouraging Words from Our Patrons

“My money is in good hands.”

“I have my Commercial Business account with them. Everyone on staff is completely friendly! Cannot express how helpful they are as well. I’ve had to call in for help identifying a few transactions and they have been prompt with service and not at all made me feel like a burden.” ~ Kimberly B. – A month ago

“I love First National Bank of Waterloo! Everyone is friendly and nice. Even my children love going to the bank with me.” ~ Johana W. – Five months ago

“By far the best and easiest bank to work with! We bank with multiple banks as a business owner and highly recommend 1st National Bank of Waterloo! Dan Spickard and Russ Thomas are phenomenal as well as many others that I see weekly!” ~ Adam Linnemann

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