The Havana National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.54 percentage points higher than in Q1 2026, at 176.67%. On return on assets, The Havana National Bank ranks 32nd highest among the 323 banks headquartered in Illinois, at 1.95% (Q2 2026). The Havana National Bank's return on assets of 1.95% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.17% |
| Equity capital to assets | 11.33% |
| Tangible equity to tangible assets | 11.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.59% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 15.67% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 176.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.95% |
| Return on equity | 17.50% |
| Net interest margin | 3.89% |
| Efficiency ratio | 45.02% |
| Yield on earning assets | 5.44% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.12% |
| Core deposits to total deposits | 92.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 70.37% |
| Securities to assets | 20.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.48% | 1.18% | 3.34% | 0.82% | -0.00% |
| Q4 2023 | 11.76% | 1.13% | 3.16% | 0.43% | 1.26% |
| Q1 2024 | 11.86% | 1.16% | 3.29% | 0.67% | 0.03% |
| Q2 2024 | 12.02% | 1.27% | 3.59% | 0.80% | -0.07% |
| Q3 2024 | 12.19% | 1.32% | 3.62% | 0.46% | 0.10% |
| Q4 2024 | 12.52% | 1.29% | 3.52% | 0.38% | -0.02% |
| Q1 2025 | 12.45% | 1.21% | 3.52% | 0.39% | -0.01% |
| Q2 2025 | 11.94% | 1.77% | 3.79% | 0.33% | -0.07% |
| Q3 2025 | 11.81% | 1.35% | 3.80% | 0.34% | -0.01% |
| Q4 2025 | 11.85% | 1.38% | 3.67% | 0.73% | 0.03% |
| Q1 2026 | 11.87% | 1.31% | 3.61% | 0.66% | 0.03% |
| Q2 2026 | 12.17% | 1.95% | 3.89% | 0.59% | 0.05% |
The Havana National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Havana National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Havana National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3677) · FFIEC NIC profile (RSSD 940731)