M1 Bancshares, Inc

First National Bank of Waterloo is a full-service community bank that serves the residents of Monroe County in southern Illinois. Located in Waterloo, it is a part of the St. Louis metropolitan area, and its market area includes various cities, such as Columbia, Renault, Fults and Hecker, Ill. It offers a full range of financial products and services via its banking centers and the Internet. Its services range from personal and business checking, savings and money market accounts to loans and online banking and cash management. It is a locally owned bank and provides financial support for the community's progress, building one-on-one relationships with its customers and committing time and leadership to local civic and charitable organizations. First National Bank of Waterloo was founded in 1912.

Established in 1888, Carlinville National Bank offers personal and business banking options. The bank provides checking and saving accounts, trust, securities, brokerage, and insurance products and services, as well as personal, educational, mortgage and home equity loans. Its additional investment services include treasury, asset and wealth management, investment planning, retirement plans, foreign exchange, direct deposits, bill payment, checks reordering, money transfers, and annuities and mutual funds. Carlinville National Bank, through its business segment, offers business and corporate checking accounts, credit cards, payroll processing, direct deposit and merchant services. The bank maintains multiple branches in Carlinville, Ill.