The Havana National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Havana National Bank is an FDIC-insured commercial bank headquartered in Havana, IL, established in 1875 (FDIC certificate 3677), and it is supervised by the OCC. At Q2 2026 it reported total assets of $332.8M, up 2.7% from Q2 2025, the 141st largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.17% 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
- 3677
- Headquarters
- Havana, IL
- Established
- 1875
- Total assets, Q2 2026
- $332.8M
- Assets vs Q2 2025
- +2.7%
- Tier 1 leverage ratio, Q2 2026
- 12.17%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071104731
- Latest call report
- Q2 2026, FFIEC 051 · The Havana National Bank call report
- Holding company
- COMMUNITY INVESTMENT GROUP, LTD.
- Asset rank in state
- 141st of 319 in Illinois
The Havana National Bank, based in Havana, Illinois, reported $333 million in assets at June 30, 2026, up 2.7% from a year earlier. It holds commercial real estate loans equal to only 11% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 15.7% of the capital and reserves that would absorb them, 5.9 times the median of 2.6% for banks its size.
Net income for the quarter rose 17% from a year earlier, to $1.6 million. Over the same year, loans grew 2.7% and deposits shrank 1.0%.
As of June 30, 2026, The Havana National Bank reported a return on assets of 1.95%, a nonperforming-loan ratio of 2.69% and a Texas ratio of 15.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Havana National Bank is the 141st largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 2.4% to $332.8M, loans rose 3.7% and deposits fell 2.7%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 46.9% of total loans, ahead of agricultural production loans at 33.5%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in IL; its Havana office books 73% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Havana National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 112 S Orange St, Havana, IL 62644
- County
- Mason
- 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
- March 30, 1875
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $234.2M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $42K
- Average total assets
- $332.3M
- Average total loans
- $227.2M
- Average interest-bearing deposits
- $199.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3677
- Fed RSSD
- 940731
- Website
- http://www.havanabank.com →
- Parent Holding Company
- COMMUNITY INVESTMENT GROUP, LTD. (RSSD 2909853)
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, The Havana National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Havana National Bank's total assets ranged from $299.8M (Q4 2024) to $341.1M (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
$332.8M total assets against $323.9M; $295.1M total liabilities against $290.2M.
$229.8M net loans and leases against $223.8M; $234.2M total deposits against $236.5M.
$68.3M securities against $71.0M; $15.5M cash and balances due against $11.2M.
$4.3M total interest income against $3.9M; $1.2M total interest expense against $1.1M.
$3.1M net interest income against $2.8M.
$965K total noninterest income against $660K; $1.8M total noninterest expense against $1.7M.
$0 provision for credit losses against $20K.
$1.6M net income against $1.4M.
1.95% return on assets against 1.77%; 3.89% net interest margin against 3.79%.
12.17% tier 1 leverage ratio against 11.94%.
Inside the full The Havana National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Havana National Bank rankings
Its closest position to the top of a national ranking is 282 of 3,640, for Texas Ratio; its furthest is 2,314 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.21% (Q1 2025) to 1.95% (Q2 2026) and its net interest margin ran from 3.52% (Q4 2024) to 3.89% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.17% | 1.95% | 2.69% | 15.67% | 3.89% |
| Q1 2026 | 11.87% | 1.31% | 1.33% | 7.66% | 3.61% |
| Q4 2025 | 11.85% | 1.38% | 1.28% | 7.51% | 3.67% |
| Q3 2025 | 11.81% | 1.35% | 1.92% | 11.72% | 3.80% |
| Q2 2025 | 11.94% | 1.77% | 2.77% | 17.51% | 3.79% |
| Q1 2025 | 12.45% | 1.21% | 2.42% | 13.87% | 3.52% |
| Q4 2024 | 12.52% | 1.29% | 0.52% | 3.57% | 3.52% |
| Q3 2024 | 12.19% | 1.32% | 0.77% | 5.09% | 3.62% |
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 |
|---|---|---|---|
| The Havana National Bank | Havana , IL | 62644 | $170.3M |
| Havana National Bank-Manito Branch | Manito , IL | 61546 | $21.0M |
| 143 South Main Street Branch | Lewistown , IL | 61542 | $17.2M |
| Cass Community Bank Branch | Virginia , IL | 62691 | $12.3M |
| South Second Street Branch | San Jose , IL | 62682 | $7.3M |
| Green Valley Facility | Green Valley , IL | 61534 | $6.1M |
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 |
|---|---|---|---|
| December 1, 2005 | Structure Change | Acquired San Jose Tri-County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 10, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 189 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 40 applications, 22 loans originated, $2.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $74K approved, $74K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Havana National Bank
What are The Havana National Bank's total assets?
As of the Q2 2026 filing, The Havana National Bank reported total assets of $332.8 million in its FFIEC call report.
Where is The Havana National Bank headquartered?
It is headquartered in Havana, IL, United States.
When was The Havana National Bank founded?
It was established in 1875, per the FDIC institution directory.
Is The Havana National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Havana National Bank?
The Havana National Bank's primary federal regulator is the OCC.
How many branches does The Havana National Bank 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 The Havana National Bank's Texas Ratio?
Its Texas Ratio is 15.67% 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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