FIRST NATIONAL BANK OF PANA

PANA, IL | Small | Est. Jan. 1, 1930, midnight | FDIC #3720 | RSSD #860147 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF PANA is asn small FDIC-insured commercial bank headquartered in PANA, IL, established in Jan. 1, 1930, midnight. As of 2025-12-31, the bank reported total assets of $392M and total deposits of $349M. Profitability stands at 2.02% ROA and 19.89% ROE, with a net interest margin of 3.75%. The bank's CET1 capital ratio is 10.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 1.18%. FDIC Certificate #3720.

Assets

$392M

Deposits

$349M

Loans

$282M

Equity

$40M

Profitability

Return on Assets (ROA) 2.02%
Return on Equity (ROE) 19.89%
Net Interest Margin (NIM) 3.75%
Yield on Assets 5.74%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.18%
NPA Ratio 0.13%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 10.21%
Tier 1 Capital 10.21%
Total Capital Ratio 10.72%
Leverage Ratio 10.71%
Loan-to-Deposit 81.00%

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