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First National Bank Of Pana
Pana, IL · FDIC Certificate #3720 · Chartered 01/0
Total assets
$394.83M
Total deposits
$350.67M
Total equity
$41.55M
Net loans
$289.58M
Branches (offices)
6
Net income (YTD)
$3.14M
Rank: #2,085 of 4,213 U.S. banks by assets · #125 of 322 in Illinois. Assets changed 10.9% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.58% |
| Return on equity | 15.29% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 10.52% |
| Tier 1 leverage ratio | 10.55% |
| Uninsured deposits (share of deposits) | 20.0% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 82.6% |
| Real estate loans (share of loans) | 75.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $218.67M | 75.5% | |
| Commercial & industrial | $36.24M | 12.5% | |
| Consumer / individual | $10.65M | 3.7% | |
| Construction & development | $17.92M | 6.2% | |
| Agricultural | $22.95M | 7.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $273.24M | $246.29M | $1.96M | $26.02M |
| Jun 2023 | $301.61M | $271.21M | $2.75M | $29.07M |
| Jun 2024 | $317.95M | $283.16M | $2.48M | $32.34M |
| Jun 2025 | $356.16M | $316.96M | $3.32M | $36.65M |
| Jun 2026 | $394.83M | $350.67M | $3.14M | $41.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $350.67M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $350.67M.
Similar-sized banks
The Bank Of Glen Burnie ($394.88M) · Balboa Thrift And Loan Association ($394.45M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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