The Atlanta National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Atlanta National Bank is an FDIC-insured commercial bank headquartered in Atlanta, IL, established in 1887 (FDIC certificate 3601), and it is supervised by the OCC. At Q2 2026 it reported total assets of $81.3M, up 7.7% from Q2 2025, the 273rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 20.54% 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
- 3601
- Headquarters
- Atlanta, IL
- Established
- 1887
- Total assets, Q2 2026
- $81.3M
- Assets vs Q2 2025
- +7.7%
- CET1 ratio, Q2 2026
- 20.54%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071107563
- Latest call report
- Q2 2026, FFIEC 051 · The Atlanta National Bank call report
- Holding company
- ANB BANCORP, INC.
- Asset rank in state
- 273rd of 319 in Illinois
Problem loans are rising at The Atlanta National Bank. It reported $81 million in assets at June 30, 2026, up 7.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.00% of loans from 0.60% a year earlier. It pays an average of 0.87% on its deposits and borrowings, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 1.53%). It also grew its loan book 12.6% over the year, 4.9 times the median of 2.6% for banks its size.
The commercial and industrial book ($11 million) is worsening: 3.60% of it is past due or on nonaccrual, up from 0.36% a year earlier. Loans are outrunning deposits: over the year loans rose 12.6% and deposits rose 5.9%. Profitability lags: it earns about $0.48 a year on every $100 of assets, about half the median of $1.06 for banks its size.
As of June 30, 2026, The Atlanta National Bank reported a CET1 capital ratio of 20.54%, a return on assets of 0.48%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 3.96%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, The Atlanta National Bank is the 273rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.1% to $81.3M, loans rose 2.5% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 30.8% of total loans, followed by 1-4 family residential loans at 19.5%. Its 3 offices in the FDIC Summary of Deposits are in Atlanta, IL, Mclean, IL and Pekin, IL; its Atlanta office books 71% of its branch deposits. On its Q2 2026 call report, The Atlanta National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 105 Ne Church St, Atlanta, IL 61723
- County
- Logan
- Metro Area
- Lincoln, IL
- 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 2, 1887
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $69.0M
- Allowance for credit losses
- $260K
- Net charge-offs (YTD)
- $105K
- Average total assets
- $82.2M
- Average total loans
- $35.0M
- Average interest-bearing deposits
- $80.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3601
- Fed RSSD
- 672238
- Website
- www.theatlantanationalbank.com →
- Parent Holding Company
- ANB BANCORP, INC. (RSSD 2971270)
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
From Q3 2023 to Q2 2026, The Atlanta National Bank's total assets ranged from $68.5M (Q1 2024) to $83.0M (Q1 2026), 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
$81.3M total assets against $75.5M; $72.6M total liabilities against $67.3M.
$35.0M net loans and leases against $31.1M; $69.0M total deposits against $65.1M.
$33.3M securities against $33.8M; $10.0M cash and balances due against $7.7M.
$897K total interest income against $783K; $213K total interest expense against $195K.
$684K net interest income against $588K.
$29K total noninterest income against $33K; $520K total noninterest expense against $511K.
$95K provision for credit losses against $10K.
$98K net income against $102K.
0.48% return on assets against 0.55%; 3.57% net interest margin against 3.37%.
20.54% CET1 capital ratio against 21.77%; 11.59% tier 1 leverage ratio against 12.50%.
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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.21% (Q4 2025) to 0.63% (Q1 2026) and its net interest margin ran from 3.16% (Q3 2024) to 3.57% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.54% | 0.48% | 1.00% | 3.96% | 3.57% |
| Q1 2026 | 20.43% | 0.63% | 1.44% | 5.53% | 3.55% |
| Q4 2025 | 20.82% | 0.21% | 1.01% | 4.00% | 3.56% |
| Q3 2025 | 21.57% | 0.42% | 0.66% | 2.45% | 3.45% |
| Q2 2025 | 21.77% | 0.55% | 0.60% | 2.24% | 3.37% |
| Q1 2025 | 22.43% | 0.53% | 0.34% | 1.30% | 3.30% |
| Q4 2024 | 20.74% | 0.58% | 0.08% | 0.36% | 3.42% |
| Q3 2024 | 23.35% | 0.29% | 0.66% | 2.43% | 3.16% |
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 |
|---|---|---|---|
| The Atlanta National Bank | Atlanta , IL | 61723 | $48.8M |
| Mclean Banking Center Branch | Mclean , IL | 61754 | $11.3M |
| Pekin Branch | Pekin , IL | 61554 | $8.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 325 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 41 applications, 29 loans originated, $1.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Atlanta National Bank
What are The Atlanta National Bank's total assets?
As of the Q2 2026 filing, The Atlanta National Bank reported total assets of $81.3 million in its FFIEC call report.
Where is The Atlanta National Bank headquartered?
It is headquartered in Atlanta, IL, United States.
When was The Atlanta National Bank founded?
It was established in 1887, per the FDIC institution directory.
Is The Atlanta National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3601). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Atlanta National Bank?
The Atlanta National Bank's primary federal regulator is the OCC.
What is The Atlanta National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.54% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Atlanta 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 The Atlanta National Bank's Texas Ratio?
Its Texas Ratio is 3.96% 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.
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