O’Fallon, IL Banking Center

First National Bank of Waterloo has been a lending leader in southern Illinois communities since 1912. Our team of banking 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 banking centers in O’Fallon bring another customer-focused banking option to St. Clair County. 

First National Bank of Waterloo has two banking centers in O’Fallon. One located at 104 Regency Park Drive, and the other inside Schnucks Seven Hills. Our banking centers are conveniently located and provide all the services you’d expect from a community bank. 

Visit us in person to experience firsthand what a hometown bank is all about. Or call us at 618-632-1010. We can help with any of your banking needs! 


104 Regency Park 
O’Fallon, IL 62269
PO Box 670 O’Fallon, IL 62269



8:30am-4:30pm – Monday to Thursday  
8:30am-6:00pm – Friday  
8:30am-Noon – Saturday  

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


Meet Our Staff

Bill Metzger Kevin Welch

5-Star Rated by BauerFinancial, Inc.


Encouraging Words from Our Patrons


“Overall, I find First National Bank of Waterloo to be the best bank that I have ever used in my life!” – Janet P.

“What I like the most about First National Bank of Waterloo is that they are a good home town bank.” – Jen W.

“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.

10 Reasons "That's My Bank!"Icon For: Video