Smithton Banking Center

First National Bank of Waterloo is breaking ground on its 11th banking center in Smithton, Illinois. A local construction company, D&F Constructors, is handling the construction of the new Smithton Banking Center that is scheduled to open in the early second quarter of 2019!  We absolutely cannot wait to be a part of and serve the Smithton community!

If you wish to speak to anyone regarding the products & services we offer, please do not hesitate to contact us at (618) 939-6194.  To apply for an account, you can apply online now!  We would love to have you!

To learn more about the history of our community bank, visit here.

Progress as of 2/28/2019:



Progress as of 1/3/2019:












5-Star Rated by BauerFinancial, Inc.




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.


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