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The Havana National Bank
Havana, IL · FDIC Certificate #3677 · Chartered 03/3
Total assets
$332.83M
Total deposits
$234.22M
Total equity
$37.72M
Net loans
$229.76M
Branches (offices)
6
Net income (YTD)
$2.71M
Rank: #2,324 of 4,213 U.S. banks by assets · #143 of 322 in Illinois. Assets changed 2.7% and deposits -1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 14.66% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 11.33% |
| Tier 1 leverage ratio | 12.17% |
| Uninsured deposits (share of deposits) | 28.0% |
| Noncurrent loans (share of loans) | 2.69% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 98.1% |
| Real estate loans (share of loans) | 57.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $131.34M | 57.2% | |
| Commercial & industrial | $17.83M | 7.8% | |
| Consumer / individual | $3.53M | 1.5% | |
| Construction & development | $1.65M | 0.7% | |
| Agricultural | $77.83M | 33.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $319.52M | $260.31M | $1.36M | $25.98M |
| Jun 2023 | $300.52M | $237.35M | $1.88M | $27.65M |
| Jun 2024 | $313.33M | $237.42M | $1.82M | $30.95M |
| Jun 2025 | $323.93M | $236.48M | $2.31M | $33.74M |
| Jun 2026 | $332.83M | $234.22M | $2.71M | $37.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $234.22M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $234.22M.
Similar-sized banks
Stock Growers Bank ($332.88M) · O'Bannon Banking Company ($332.57M)
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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