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City Spotlight 207 - EffinghamFirst National Bank of Waterloo is a bank in Effingham that is conveniently located at Regency park Dr. Visit us today at our Effingham location! First Mid Bank on N Keller Dr. in Effingham, IL offers full-service banking such as deposits, insurance, mortgages & other loans. Washington Savings Bank is the second oldest bank in Effingham County & the largest home mortgage lender.