The First National Bank of Ava
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Ava is an FDIC-insured commercial bank headquartered in Ava, IL, established in 1917 (FDIC certificate 3761), and it is supervised by the OCC. At Q2 2026 it reported total assets of $78.3M, up 1.5% from Q2 2025, the 278th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 19.35% 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
- 3761
- Headquarters
- Ava, IL
- Established
- 1917
- Total assets, Q2 2026
- $78.3M
- Assets vs Q2 2025
- +1.5%
- CET1 ratio, Q2 2026
- 19.35%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081211520
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Ava call report
- Holding company
- HEADQUARTERS HOLDING COMPANY
- Asset rank in state
- 278th of 319 in Illinois
The First National Bank of Ava, based in Ava, Illinois, reported $78 million in assets at June 30, 2026, up 1.5% from a year earlier. It grew its loan book 20.9% over the year, 8.1 times the median of 2.6% for the 583 banks with less than $100 million in assets. It also pays an average of 1.04% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.53%).
Net income for the quarter rose 18% from a year earlier, to $207,000. Over the same year, loans grew 20.9% and deposits shrank 0.0%.
As of June 30, 2026, The First National Bank of Ava reported a CET1 capital ratio of 19.35%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.32%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, The First National Bank of Ava is the 278th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.5% to $78.3M, loans rose 5.7% and deposits fell 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.7% of total loans, ahead of farmland and other real estate loans at 16.9%. Its one office in the FDIC Summary of Deposits is in Ava, IL. By the capital ratios in its Q2 2026 call report, The First National Bank of Ava meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 304 W Main St, Ava, IL 62907
- County
- Jackson
- Metro Area
- Carbondale, 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1917
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $69.5M
- Allowance for credit losses
- $776K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $79.6M
- Average total loans
- $43.5M
- Average interest-bearing deposits
- $55.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3761
- Fed RSSD
- 858443
- Website
- www.fnbava.bank →
- Parent Holding Company
- HEADQUARTERS HOLDING COMPANY (RSSD 1134603)
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, The First National Bank of Ava's total assets ran between $71.5M (Q3 2023) and $78.7M (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
$78.3M total assets against $77.2M; $69.8M total liabilities against $69.7M.
$44.2M net loans and leases against $36.4M; $69.5M total deposits against $69.5M.
$29.3M securities against $31.4M; $2.8M cash and balances due against $7.1M.
$959K total interest income against $910K; $181K total interest expense against $187K.
$778K net interest income against $723K.
$37K total noninterest income against $27K; $550K total noninterest expense against $532K.
$0 provision for credit losses against $0.
$207K net income against $176K.
1.04% return on assets against 0.89%; 4.13% net interest margin against 3.87%.
19.35% CET1 capital ratio against 21.08%; 12.76% tier 1 leverage ratio against 12.32%.
Inside the full The First National Bank of Ava terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.81% (Q1 2025) to 1.65% (Q4 2024) and its net interest margin ran from 3.58% (Q4 2024) to 4.13% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.35% | 1.04% | 0.07% | 0.32% | 4.13% |
| Q1 2026 | 19.69% | 1.01% | 0.29% | 1.30% | 4.05% |
| Q4 2025 | 19.54% | 0.96% | 0.31% | 1.45% | 4.10% |
| Q3 2025 | 19.56% | 1.02% | 0.29% | 1.24% | 4.07% |
| Q2 2025 | 21.08% | 0.89% | 0.28% | 1.29% | 3.87% |
| Q1 2025 | 20.73% | 0.81% | 0.29% | 1.31% | 3.68% |
| Q4 2024 | 20.83% | 1.65% | 0.28% | 1.31% | 3.58% |
| Q3 2024 | 20.64% | 0.92% | 0.71% | 2.97% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 First National Bank of Ava | Ava , IL | 62907 | $69.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 323 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 34 applications, 17 loans originated, $2.4M originated, across 3 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 First National Bank of Ava
What are The First National Bank of Ava's total assets?
As of the Q2 2026 filing, The First National Bank of Ava reported total assets of $78.3 million in its FFIEC call report.
Where is The First National Bank of Ava headquartered?
It is headquartered in Ava, IL, United States.
When was The First National Bank of Ava founded?
It was established in 1917, per the FDIC institution directory.
Is The First National Bank of Ava FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Ava?
The First National Bank of Ava's primary federal regulator is the OCC.
What is The First National Bank of Ava's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Ava operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Ava's Texas Ratio?
Its Texas Ratio is 0.32% 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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