FIRST NATIONAL BANK OF AVA, THE

AVA, IL | Micro | Est. Jan. 1, 1917, midnight | FDIC #3761 | RSSD #858443 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF AVA, THE is amn micro FDIC-insured commercial bank headquartered in AVA, IL, established in Jan. 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $77M and total deposits of $68M. Profitability stands at 0.99% ROA and 8.75% ROE, with a net interest margin of 4.34%. The bank's CET1 capital ratio is 19.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 1.45%. FDIC Certificate #3761.

Assets

$77M

Deposits

$68M

Loans

$43M

Equity

$8M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 8.75%
Net Interest Margin (NIM) 4.34%
Yield on Assets 5.35%
Cost of Funds 1.30%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.45%
NPA Ratio 0.17%
ACL / Loans 1.79%

Capital & Liquidity

CET1 Ratio 19.54%
Tier 1 Capital 19.54%
Total Capital Ratio 20.79%
Leverage Ratio 12.61%
Loan-to-Deposit 63.60%

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