Bank Safety Analysis
Is Anna-Jonesboro National Bank Safe?
Anna-Jonesboro National Bank shows stress on 1 of 5 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in noncurrent loans to total loans: 2.68 percentage points lower than in Q1 2026, at 3.00%. Among 198 Illinois banks, Anna-Jonesboro National Bank sits 11th from the top on CET1 ratio, 31.95% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, Anna-Jonesboro National Bank reported 31.95% on CET1 ratio in Q2 2026, 16.88 points higher. From Q3 2023 to Q2 2026, Anna-Jonesboro National Bank's CET1 ratio ranged between 29.52% (Q3 2023) and 33.13% (Q1 2026) and its Texas ratio ranged between 10.07% (Q2 2026) and 39.83% (Q3 2023). Compared with Q2 2025, Anna-Jonesboro National Bank's CET1 ratio from 32.51% to 31.95%, noncurrent loans to total loans from 6.21% to 3.00%, Texas ratio from 20.83% to 10.07%, return on assets from 1.04% to 1.27% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
CET1 of 31.95% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 14.57% is above the 5% well-capitalized threshold.
Nonperforming loans at 3.00% are at a stress-band level above 3%.
Texas Ratio of 10.1% is well below the 100% historical failure threshold.
Efficiency ratio of 58.5% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 31.95% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 10.07% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 3.00% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 51.72% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 36.82% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.48% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 31.95% |
| Q1 2026 | 33.13% |
| Q4 2025 | 31.92% |
| Q3 2025 | 32.70% |
| Q2 2025 | 32.51% |
| Q1 2025 | 32.38% |
| Q4 2024 | 31.39% |
| Q3 2024 | 31.88% |
| Q2 2024 | 30.39% |
| Q1 2024 | 30.48% |
| Q4 2023 | 29.53% |
| Q3 2023 | 29.52% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 10.07% |
| Q1 2026 | 18.50% |
| Q4 2025 | 18.28% |
| Q3 2025 | 19.59% |
| Q2 2025 | 20.83% |
| Q1 2025 | 22.86% |
| Q4 2024 | 25.09% |
| Q3 2024 | 24.72% |
| Q2 2024 | 33.65% |
| Q1 2024 | 34.61% |
| Q4 2023 | 34.56% |
| Q3 2023 | 39.83% |
Anna-Jonesboro National Bank by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 31.95% | 3.00% | 10.07% | 1.27% |
| Mar 31, 2026 | 33.13% | 5.69% | 18.50% | 1.04% |
| Dec 31, 2025 | 31.92% | 5.51% | 18.28% | 1.11% |
| Sep 30, 2025 | 32.70% | 6.00% | 19.59% | 1.05% |
| Jun 30, 2025 | 32.51% | 6.21% | 20.83% | 1.04% |
| Mar 31, 2025 | 32.38% | 6.64% | 22.86% | 0.92% |
| Dec 31, 2024 | 31.39% | 6.89% | 25.09% | 0.80% |
| Sep 30, 2024 | 31.88% | 7.45% | 24.72% | 0.80% |
| Jun 30, 2024 | 30.39% | 8.72% | 33.65% | 1.28% |
| Mar 31, 2024 | 30.48% | 8.98% | 34.61% | 0.60% |
| Dec 31, 2023 | 29.53% | 9.02% | 34.56% | 0.85% |
| Sep 30, 2023 | 29.52% | 8.93% | 39.83% | 0.77% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Anna-Jonesboro National Bank FDIC insured?
Yes. Anna-Jonesboro National Bank is an FDIC-insured commercial bank (FDIC Certificate #3759). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Anna-Jonesboro National Bank well capitalized?
Yes. Anna-Jonesboro National Bank reports a CET1 Ratio of 31.95%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is Anna-Jonesboro National Bank's nonperforming loan ratio?
As of the most recent call report, Anna-Jonesboro National Bank's nonperforming loan ratio is 3.00%. Nonperforming loans at 3.00% are at a stress-band level above 3%.
What is Anna-Jonesboro National Bank's Texas Ratio?
Anna-Jonesboro National Bank's Texas Ratio is 10.07%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 3759) · FFIEC NIC profile (RSSD 855844)
Explore: Full Anna-Jonesboro National Bank profile · Other banks in IL · Metric glossary · How the call report works