First National Bank of Ava, the
Operating from Ava, IL, First National Bank of Ava, the serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, First National Bank of Ava, the reported $79M in total assets against $70M in deposits. Returns are in line with industry norms at 1.01% ROA and 9.49% ROE; net interest margin is 4.05%. Capital cushions are healthy: 19.69% CET1, 12.53% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.29%. The bank operates from a single office.
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
- Fed District
- 9
- Established
- January 1, 1917
- Branches
- 1 domestic
- Employees (FTE)
- 15
- FDIC Cert
- 3761
- Fed RSSD
- 858443
- Website
- www.fnbava.bank →
- Parent Holding Company
- HEADQUARTERS HOLDING COMPANY (RSSD 1134603)
Capital & Liquidity
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First National Bank of Ava, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First National Bank of Ava, the
What are First National Bank of Ava, the's total assets?
As of the Q1 2026 filing, First National Bank of Ava, the reported total assets of $78.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Ava, the headquartered?
First National Bank of Ava, the is headquartered in AVA, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Ava, the founded?
First National Bank of Ava, the was established in 1917, per the FDIC institution directory.
Is First National Bank of Ava, the FDIC-insured?
Yes. First National Bank of Ava, the 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 First National Bank of Ava, the?
First National Bank of Ava, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank of Ava, the's CET1 capital ratio?
First National Bank of Ava, the reported a Common Equity Tier 1 (CET1) capital ratio of 19.69% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First National Bank of Ava, the operate?
First National Bank of Ava, the operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is First National Bank of Ava, the's Texas Ratio?
First National Bank of Ava, the's Texas Ratio is 1.30% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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