First National Bank of Pana
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Pana is an FDIC-insured commercial bank headquartered in Pana, IL, established in 1930 (FDIC certificate 3720), and it is supervised by the OCC. At Q2 2026 it reported total assets of $394.8M, up 10.9% from Q2 2025, the 123rd largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.55% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3720
- Headquarters
- Pana, IL
- Established
- 1930
- Total assets, Q2 2026
- $394.8M
- Assets vs Q2 2025
- +10.9%
- Tier 1 leverage ratio, Q2 2026
- 10.55%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071103509
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Pana call report
- Asset rank in state
- 123rd of 319 in Illinois
First National Bank of Pana, based in Pana, Illinois, reported $395 million in assets at June 30, 2026, up 10.9% from a year earlier. It grew deposits 10.6% over the year, 2.6 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.5% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
The commercial and industrial book ($36 million) is worsening: 1.88% of it is past due or on nonaccrual, up from 0.43% a year earlier. Net income for the quarter slipped 18% from a year earlier, to $1.4 million.
As of June 30, 2026, First National Bank of Pana reported a return on assets of 1.37%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.46%. The figures come from its call report filed with the FFIEC.
First National Bank of Pana ranks as the 123rd largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.5% to $394.8M, loans rose 5.5% and deposits fell 3.0%. 1-4 family residential loans made up 26.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.1%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in IL; its Pana office books 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of Pana meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 306 S Locust St, Pana, IL 62557
- County
- Christian
- Metro Area
- Taylorville, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1930
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $350.7M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $399.4M
- Average total loans
- $277.3M
- Average interest-bearing deposits
- $270.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3720
- Fed RSSD
- 860147
- Website
- www.fnbquality.bank →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First National Bank of Pana reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank of Pana's total assets ran between $298.3M (Q3 2023) and $405.1M (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
$394.8M total assets against $356.2M; $353.3M total liabilities against $319.5M.
$289.6M net loans and leases against $268.7M; $350.7M total deposits against $317.0M.
$45.3M securities against $37.3M; $42.7M cash and balances due against $35.5M.
$5.4M total interest income against $4.7M; $1.7M total interest expense against $1.5M.
$3.6M net interest income against $3.2M.
$526K total noninterest income against $404K; $2.7M total noninterest expense against $1.7M.
$0 provision for credit losses against $100K.
$1.4M net income against $1.7M.
1.37% return on assets against 1.85%; 3.94% net interest margin against 3.84%.
10.55% tier 1 leverage ratio against 10.58%.
Inside the full First National Bank of Pana terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Pana rankings
Its closest position to the top of a national ranking is 1,583 of 3,611, for ROA; its furthest is 2,983 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.37% (Q2 2026) to 2.10% (Q3 2025) and its net interest margin ran from 3.58% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.55% | 1.37% | 0.07% | 0.46% | 3.94% |
| Q1 2026 | 10.59% | 1.78% | 0.22% | 1.39% | 3.58% |
| Q4 2025 | 10.71% | 2.03% | 0.17% | 1.19% | 3.75% |
| Q3 2025 | 10.85% | 2.10% | 0.19% | 1.31% | 3.89% |
| Q2 2025 | 10.58% | 1.85% | 0.22% | 1.57% | 3.84% |
| Q1 2025 | 10.41% | 1.83% | 0.04% | 0.33% | 3.65% |
| Q4 2024 | 10.97% | 1.80% | 0.03% | 0.27% | 3.73% |
| Q3 2024 | 10.90% | 1.63% | 0.07% | 0.88% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| First National Bank of Pana (main office) | Pana , IL | 62557 | $166.3M |
| Spresser Branch | Taylorville , IL | 62568 | $59.7M |
| The Old State Bank of Blue Mound Branch | Blue Mound , IL | 62513 | $47.9M |
| Decatur Baltimore Road Branch | Decatur , IL | 62521 | $37.0M |
| Decatur Water Street Branch | Decatur , IL | 62523 | $28.6M |
| Assumption Branch | Assumption , IL | 62510 | $11.2M |
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 |
|---|---|---|---|
| October 31, 2015 | Structure Change | Acquired The State Bank of Blue Mound Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 30, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 140 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $342K approved, $171K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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
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Frequently asked about First National Bank of Pana
What are First National Bank of Pana's total assets?
As of the Q2 2026 filing, First National Bank of Pana reported total assets of $394.8 million in its FFIEC call report.
Where is First National Bank of Pana headquartered?
It is headquartered in Pana, IL, United States.
When was First National Bank of Pana founded?
It was established in 1930, per the FDIC institution directory.
Is First National Bank of Pana FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3720). 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 Pana?
First National Bank of Pana's primary federal regulator is the OCC.
How many branches does First National Bank of Pana operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Pana's Texas Ratio?
Its Texas Ratio is 0.46% 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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