First National Bank of Waterloo - Effingham Banking Center


About Us

First National Bank is a full-service community bank with nine banking centers serving Central and Southern Illinois. Locally, we have banking centers serving the Effingham & Stewardson communities. Management and staff are proud of the bank's heritage. Step into any of our lobbies and experience a natural friendliness that comes from being a community hometown bank.


Effingham Banking Center
Dennis Rubin, Senior Vice President & Community President
Debbie Womack, AVP Loans-Effingham
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Brian Flach, AVP Loans-Stewardson
Jessica Howe, Center Manager-Stewardson
Kristen Doty, Center Manager-Effingham
Stewardson Banking Center