Banks in Carmi, IL

Bank branch map: Carmi

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 4 banks and credit unions operate 5 locations in Carmi, according to the FDIC. 5 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Carmi

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: The First National Bank of Carmi has the most locations in Carmi, with 2. The other 3 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

The First National Bank of Carmi 2 branches · main office Carmi, IL Bank · 2

The First National Bank of Carmi has 2 branches in Carmi, 5 across Illinois and 12 nationwide. FDIC records list its main office in Carmi, IL and show it operating since 1893. With $622.2 million in total assets on June 30, 2026, it ranks No. 1,523 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Carmi location is its main office at 201 E Main St, dating to 1893; the newest, at 1206 West Main Street, to 1990. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  201 E Main St, 62821

  Hours: see the bank's site
  DirectionsWebsite
• West Carmi Branch

  1206 West Main Street, 62821

  Hours: see the bank's site
  DirectionsWebsite

The First National Bank of Carmi: profile, branches and contacts

Banterra Bank 1 branch · main office Marion, IL Bank · 1

Banterra Bank has 1 branch in Carmi, 28 across Illinois and 43 nationwide. FDIC records list its main office in Marion, IL and show it operating since 1955. With $3.36 billion in total assets on June 30, 2026, it ranks No. 383 of 4,232 U.S. banks by total assets. The Carmi - 2400 at 1310 W Main St dates to 1914 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Carmi - 2400

  1310 W Main St, 62821

  Hours: see the bank's site
  DirectionsWebsite

Banterra Bank: profile, branches and contacts

First Mid Bank & Trust First Mid Bank & Trust, National Association · 1 branch · main office Mattoon, IL Bank · 1

First Mid Bank & Trust has 1 branch in Carmi, 52 across Illinois and 87 nationwide. FDIC records list its main office in Mattoon, IL and show it operating since 1865. With $9.14 billion in total assets on June 30, 2026, it ranks No. 178 of 4,232 U.S. banks by total assets. The 116 West Main Street Branch at 112 W Main St dates to 1900 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 116 West Main Street Branch

  112 W Main St, 62821

  Hours: see the bank's site
  DirectionsWebsite

First Mid Bank & Trust: profile, branches and contacts

Peoples National Bank 1 branch · main office Mount Vernon, IL Bank · 1

Peoples National Bank has 1 branch in Carmi, 21 across Illinois and 25 nationwide. FDIC records list its main office in Mount Vernon, IL and show it operating since 1909. With $2.08 billion in total assets on June 30, 2026, it ranks No. 588 of 4,232 U.S. banks by total assets. The Carmi Branch at 180 Commerce St dates to 2010 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Carmi Branch

  180 Commerce St, 62821

  Hours: see the bank's site
  DirectionsWebsite

Peoples National Bank: profile, branches and contacts

Banking in Carmi: the local picture

Short answer: 4 banks run 5 branches in Carmi according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 4 banks, 1 has its main office in Carmi, 3 elsewhere in Illinois, according to the FDIC.

The bank with the longest record here is First Mid Bank & Trust, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is The First National Bank of Carmi's office at 201 E Main St, dating to 1893; the newest is Peoples National Bank's at 180 Commerce St, from 2010.

None of the 5 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Carmi, and where the nearest one is if they do not.

Short answer: No branches in Carmi: Chase (nearest in Belleville, 100 mi), Wells Fargo (nearest in Canton, 198 mi), Bank of America (nearest in Belleville, 100 mi), PNC Bank (nearest in Fairview Heights, 104 mi), U.S. Bank (nearest in Benton, 41 mi), Truist, Fifth Third Bank (nearest in Mount Vernon, 44 mi), Huntington (nearest in Frankfort, 237 mi), Regions Bank (nearest in Marion, 48 mi), TD Bank, BMO (nearest in Belleville, 101 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Carmi to the nearest branch in Illinois.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Carmi residents like anyone else.

Banks near Carmi

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Mcleansboro (20 miles) and Fairfield (23 miles). Harrisburg, 31 miles away, has the most banks nearby: 6.

Bank branch openings and closings in Carmi

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Carmi between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Banks and credit unions based in Carmi

Short answer: 1 institution has its main office in Carmi: The First National Bank of Carmi.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Carmi by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Carmi offices.

Short answer: First Mid Bank & Trust is the largest bank with offices in Carmi, with $9.14 billion in total assets on June 30, 2026, No. 178 among U.S. banks by total assets. Banterra Bank is second with $3.36 billion. 1 of the 4 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Carmi: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.