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The First National Bank Of Ava
Ava, IL · FDIC Certificate #3761 · Chartered 01/0
Total assets
$78.31M
Total deposits
$69.54M
Total equity
$8.55M
Net loans
$44.18M
Branches (offices)
1
Net income (YTD)
$409.00K
Rank: #3,850 of 4,213 U.S. banks by assets · #281 of 322 in Illinois. Assets changed 1.5% and deposits -0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 9.59% |
| Net interest margin (YTD) | 4.15% |
| Equity to assets | 10.91% |
| Tier 1 leverage ratio | 12.76% |
| Uninsured deposits (share of deposits) | 20.3% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 63.5% |
| Real estate loans (share of loans) | 70.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $30.97M | 70.1% | |
| Commercial & industrial | $2.11M | 4.8% | |
| Consumer / individual | $3.22M | 7.3% | |
| Construction & development | $2.20M | 5.0% | |
| Agricultural | $5.38M | 12.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $74.99M | $66.27M | $315.00K | $6.67M |
| Jun 2023 | $71.74M | $64.12M | $279.00K | $6.50M |
| Jun 2024 | $72.19M | $65.29M | $249.00K | $6.72M |
| Jun 2025 | $77.18M | $69.55M | $337.00K | $7.46M |
| Jun 2026 | $78.31M | $69.54M | $409.00K | $8.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $69.54M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $69.54M.
Similar-sized banks
Pavillion Bank ($78.40M) · First National Bank Of South Padre Island ($78.24M)
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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