National Bank of St. Anne
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Data as of · sourced from FFIEC call reports. How we update
National Bank of St. Anne is an FDIC-insured commercial bank headquartered in Saint Anne, IL, established in 1948 (FDIC certificate 16752), and it is supervised by the OCC. At Q2 2026 it reported total assets of $143.2M, up 5.7% from Q2 2025, the 231st largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 11.25% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 16752
- Headquarters
- Saint Anne, IL
- Established
- 1948
- Total assets, Q2 2026
- $143.2M
- Assets vs Q2 2025
- +5.7%
- CET1 ratio, Q2 2026
- 11.25%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071922337
- Latest call report
- Q2 2026, FFIEC 051 · National Bank of St. Anne call report
- Holding company
- ST. ANNE BANCORP, INC.
- Asset rank in state
- 231st of 319 in Illinois
Problem loans are rising at National Bank of St. Anne. Based in Saint Anne, Illinois, it had $143 million in assets at June 30, 2026, up 5.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.55% of loans from 0.83% a year earlier. It keeps 5.06 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it holds common equity equal to 11.25% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.11%).
Earnings jumped: net income for the quarter was $544,000, 51% above the same quarter a year earlier. Over the same year, loans grew 13.2% and deposits grew 7.4%. Credit is the area to watch: it carries problem assets equal to 13.1% of the capital and reserves that would absorb them, 4.9 times the median of 2.7% for banks its size.
As of June 30, 2026, National Bank of St. Anne reported a CET1 capital ratio of 11.25%, a return on assets of 1.54%, a nonperforming-loan ratio of 1.55% and a Texas ratio of 13.12%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, National Bank of St. Anne is the 231st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $143.2M, loans rose 4.7% and deposits fell 1.0%. 1-4 family residential loans made up 36.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 14.6%. Its 3 offices in the FDIC Summary of Deposits are in St. Anne, IL, Manteno, IL and Herscher, IL; its St. Anne office books 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, National Bank of St. Anne meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 158 W Station St, Saint Anne, IL 60964
- County
- Kankakee
- Metro Area
- Kankakee, 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
- —
- Call Report form
- FFIEC 051
- Established
- December 4, 1948
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $126.8M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $141.4M
- Average total loans
- $119.3M
- Average interest-bearing deposits
- $102.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 4, 1948
- FDIC Cert
- 16752
- Fed RSSD
- 760340
- Website
- http://www.natbankil.com →
- Parent Holding Company
- ST. ANNE BANCORP, INC. (RSSD 3595431)
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, National Bank of St. Anne's total assets ran between $127.6M (Q3 2023) and $144.0M (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
$143.2M total assets against $135.5M; $128.3M total liabilities against $121.9M.
$120.6M net loans and leases against $106.6M; $126.8M total deposits against $118.0M.
$6.6M securities against $9.9M; $6.5M cash and balances due against $9.4M.
$2.2M total interest income against $1.9M; $517K total interest expense against $478K.
$1.7M net interest income against $1.5M.
$226K total noninterest income against $151K; $1.1M total noninterest expense against $1.1M.
$70K provision for credit losses against $58K.
$544K net income against $360K.
1.54% return on assets against 1.08%; 5.06% net interest margin against 4.74%.
11.25% CET1 capital ratio against 11.20%; 9.44% tier 1 leverage ratio against 9.07%.
Inside the full National Bank of St. Anne terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNational Bank of St. Anne rankings
Its closest position to the top of a national ranking is 406 of 3,640, for Texas Ratio; its furthest is 1,901 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.56% (Q4 2024) to 1.55% (Q4 2025) and its net interest margin ran from 4.15% (Q3 2024) to 5.06% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.25% | 1.54% | 1.55% | 13.12% | 5.06% |
| Q1 2026 | 11.25% | 1.06% | 1.47% | 12.32% | 4.76% |
| Q4 2025 | 11.36% | 1.55% | 2.13% | 17.68% | 4.79% |
| Q3 2025 | 10.93% | 1.17% | 2.99% | 25.29% | 4.91% |
| Q2 2025 | 11.20% | 1.08% | 0.83% | 6.91% | 4.74% |
| Q1 2025 | 10.53% | 0.84% | 0.93% | 7.85% | 4.56% |
| Q4 2024 | 10.28% | 0.56% | 2.78% | 23.80% | 4.29% |
| Q3 2024 | 10.53% | 0.80% | 1.97% | 16.47% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| National Bank of St. Anne (main office) | St. Anne , IL | 60964 | $67.7M |
| National Bank of Manteno Branch | Manteno , IL | 60950 | $52.7M |
| National Bank of Herscher Branch | Herscher , IL | 60941 | $6.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 269 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 National Bank of St. Anne
What are National Bank of St. Anne's total assets?
As of the Q2 2026 filing, National Bank of St. Anne reported total assets of $143.2 million in its FFIEC call report.
Where is National Bank of St. Anne headquartered?
It is headquartered in Saint Anne, IL, United States.
When was National Bank of St. Anne founded?
It was established in 1948, per the FDIC institution directory.
Is National Bank of St. Anne FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates National Bank of St. Anne?
National Bank of St. Anne's primary federal regulator is the OCC.
What is National Bank of St. Anne's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.25% in its Q2 2026 call report, above regulatory requirements.
How many branches does National Bank of St. Anne operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is National Bank of St. Anne's Texas Ratio?
Its Texas Ratio is 13.12% 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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