1NB Bank

1NB Bank is a locally owned, full-service community bank headquartered in Carlyle, Illinois, primarily serving Clinton County and the broader Southern Illinois region. For business borrowers, it offers a range of commercial financing options — including term loans, lines of credit, equipment finance, commercial real estate financing, and construction finance — with loan amounts ranging from $10,000 to $10 million. A minimum credit score of 700 and at least two years in business are required. The bank has a noted history serving agricultural customers, which may make it a practical option for farm-related businesses alongside more conventional commercial borrowers. As a community institution, 1NB Bank appears well suited for Illinois-based small businesses that prefer a relationship-driven, local banking approach. Rates, fees, and approval timelines are not publicly disclosed, so prospective borrowers should contact the bank directly to discuss terms.