Anna-Jonesboro National Bank
Also written as AJNB
BankRegReports is independent of Anna-Jonesboro National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Anna-Jonesboro National Bank is an FDIC-insured commercial bank headquartered in Anna, IL (FDIC certificate 3759), and it is supervised by the OCC. At Q2 2026 it reported total assets of $234.2M, up 0.2% from Q2 2025, the 177th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 31.95% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3759
- Headquarters
- Anna, IL
- Established
- Not reported
- Total assets, Q2 2026
- $234.2M
- Assets vs Q2 2025
- +0.2%
- CET1 ratio, Q2 2026
- 31.95%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081205264
- Latest call report
- Q2 2026, FFIEC 051 · Anna-Jonesboro National Bank Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- UNION COUNTY BANCSHARES, INC.
- Asset rank in state
- 177th of 319 in Illinois
Anna-Jonesboro National Bank, based in Anna, Illinois, reported $234 million in assets at June 30, 2026. It pays an average of 0.82% on its deposits and borrowings, about half the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. It also holds common equity equal to 31.95% of its risk-weighted assets, about double the median of 15.11% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 11.4% and deposits fell 1.2%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.00% of loans, down from 3.70% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.1% of the capital and reserves that would absorb them, 3.8 times the median of 2.7% for banks its size.
As of June 30, 2026, Anna-Jonesboro National Bank reported a CET1 capital ratio of 31.95%, a return on assets of 1.27%, a nonperforming-loan ratio of 3.00% and a Texas ratio of 10.07%. The figures come from its call report filed with the FFIEC.
Anna-Jonesboro National Bank ranks as the 177th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.2% to $234.2M, loans rose 4.4% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 58.0% of total loans, ahead of farmland and other real estate loans at 8.2%. The FDIC Summary of Deposits lists 3 offices for it, in Anna, IL and Jonesboro, IL; its Anna 2 offices book 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, Anna-Jonesboro National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Main St, Anna, IL 62906
- County
- Union
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $203.9M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $243.8M
- Average total loans
- $103.0M
- Average interest-bearing deposits
- $138.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3759
- Fed RSSD
- 855844
- Website
- WWW.AJNATIONAL.COM →
- Parent Holding Company
- UNION COUNTY BANCSHARES, INC. (RSSD 1142877)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Anna-Jonesboro National Bank's total assets ran between $233.8M (Q2 2025) and $254.7M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$234.2M total assets against $233.8M; $204.7M total liabilities against $207.4M.
$103.5M net loans and leases against $92.8M; $203.9M total deposits against $206.3M.
$112.2M securities against $116.7M; $10.9M cash and balances due against $15.9M.
$2.5M total interest income against $2.3M; $423K total interest expense against $433K.
$2.1M net interest income against $1.8M.
$301K total noninterest income against $310K; $1.4M total noninterest expense against $1.4M.
$0 provision for credit losses against $0.
$775K net income against $630K.
1.27% return on assets against 1.04%; 3.61% net interest margin against 3.19%.
31.95% CET1 capital ratio against 32.51%; 14.57% tier 1 leverage ratio against 14.12%.
Inside the full Anna-Jonesboro National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Anna-Jonesboro National Bank rankings
Its closest position to the top of a national ranking is 60 of 2,134, for CET1 ratio; its furthest is 2,779 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q3 2024) to 1.27% (Q2 2026) and its net interest margin ran from 2.73% (Q3 2024) to 3.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.95% | 1.27% | 3.00% | 10.07% | 3.61% |
| Q1 2026 | 33.13% | 1.04% | 3.39% | 11.03% | 3.28% |
| Q4 2025 | 31.92% | 1.11% | 3.32% | 11.01% | 3.36% |
| Q3 2025 | 32.70% | 1.05% | 3.69% | 12.06% | 3.23% |
| Q2 2025 | 32.51% | 1.04% | 3.70% | 12.41% | 3.19% |
| Q1 2025 | 32.38% | 0.92% | 3.55% | 12.27% | 2.97% |
| Q4 2024 | 31.39% | 0.80% | 3.83% | 13.99% | 2.94% |
| Q3 2024 | 31.88% | 0.80% | 4.02% | 13.35% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Anna-Jonesboro National Bank (main office) | Anna , IL | 62906 | $203.9M |
| East Vienna Drive-In Facility | Anna , IL | 62906 | $0 |
| Jonesboro Branch | Jonesboro , IL | 62952 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 2, 2007 | Structure Change | Acquired The First National Bank of Jonesboro Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 24, 2021, OCC: Formal Agreement: Anna-Jonesboro National Bank
- Period: Most recent institution action August 24, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 204 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $404K approved, $404K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Anna-Jonesboro National Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Anna-Jonesboro National Bank
What are Anna-Jonesboro National Bank's total assets?
As of the Q2 2026 filing, Anna-Jonesboro National Bank reported total assets of $234.2 million in its FFIEC call report.
Where is Anna-Jonesboro National Bank headquartered?
It is headquartered in Anna, IL, United States.
Is Anna-Jonesboro National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3759). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Anna-Jonesboro National Bank?
Anna-Jonesboro National Bank's primary federal regulator is the OCC.
What is Anna-Jonesboro National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Anna-Jonesboro National Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Anna-Jonesboro National Bank's Texas Ratio?
Its Texas Ratio is 10.07% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Anna-Jonesboro National Bank.
Get an email when Anna-Jonesboro National Bank files its next call report, and benchmark it against any peer you choose.
Unlock Anna-Jonesboro National Bank, freeFree account