Waterloo – Main Banking Center

First National Bank of Waterloo has been a lending leader in southern Illinois communities since 1912. Our team of experts helps businesses flourish and residents’ dreams come true through our many lending solutions. As a community bank, that’s our goal, and our customer-focused approach has set a standard for banking in the area.

Our Main Banking Center is located at 228 S Main St in Waterloo, IL . It is conveniently located on the corner of East Fourth Street and Main Streetand provides all of the services you would expect from a community bank. An ATM is also located at the banking center for your convenience.

Visit us in person to experience firsthand what a hometown bank is all about. Or, call us at 618.939.6194.  We are here to help with any of your banking needs.


Lobby Hours

8:30am – 4:30pm – Monday to Thursday

8:30am – 6:00pm – Friday

8:30am – Noon – Saturday


Drive-Up Hours

7:30am – 5:00pm – Monday to Wednesday

7:30am – 5:30pm – Thursday

7:30am – 6:00pm – Friday

7:30am – Noon – Saturday

Encouraging Words from Our Patrons


“We moved out of the state but still left our account at First National Bank of Waterloo due to the customer service.” – Herman W.

   “They spotted charges on my account that I didn’t know were happening or how it happened. They stopped it and saved me a lot of money.” – Brett G.

   “I am so proud to have been a part of First National Bank for 30 years. The fact that the bank is so customer oriented is a major part of its success.” – Carolyn H.

   I’ve been doing my baking here since I was in high school,  now 27.  Always good to work with Glen and the tellers!” – Andrew B.


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