Headquartered in Pana, Illinois, First National Bank of Pana is a national bank with $394.8M in total assets and $350.7M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1930.
Based on its Q2 2026 filing, First National Bank of Pana scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 77th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is capital cushion (55/100; 10.55%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 78).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 79 |
| Q4 2024 | 80 |
| Q1 2025 | 81 |
| Q2 2025 | 79 |
| Q3 2025 | 81 |
| Q4 2025 | 81 |
| Q1 2026 | 80 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.89% |
| Q3 2024 | 10.90% |
| Q4 2024 | 10.97% |
| Q1 2025 | 10.41% |
| Q2 2025 | 10.58% |
| Q3 2025 | 10.85% |
| Q4 2025 | 10.71% |
| Q1 2026 | 10.59% |
| Q2 2026 | 10.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.61% |
| Q3 2024 | 1.61% |
| Q4 2024 | 1.66% |
| Q1 2025 | 1.89% |
| Q2 2025 | 1.89% |
| Q3 2025 | 1.94% |
| Q4 2025 | 1.97% |
| Q1 2026 | 1.78% |
| Q2 2026 | 1.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $394.8M | 10.55% | 0.07% | 1.58% | 82.6% |
| Q1 2026 | 80 | $405.1M | 10.59% | 0.22% | 1.78% | 75.9% |
| Q4 2025 | 81 | $392.1M | 10.71% | 0.17% | 1.97% | 80.2% |
| Q3 2025 | 81 | $382.4M | 10.85% | 0.19% | 1.94% | 80.0% |
| Q2 2025 | 79 | $356.2M | 10.58% | 0.22% | 1.89% | 84.8% |
| Q1 2025 | 81 | $359.4M | 10.41% | 0.04% | 1.89% | 81.6% |
| Q4 2024 | 80 | $337.7M | 10.97% | 0.03% | 1.66% | 85.4% |
| Q3 2024 | 79 | $323.4M | 10.90% | 0.07% | 1.61% | 86.4% |
| Q2 2024 | 79 | $317.9M | 10.89% | 0.08% | 1.61% | 84.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Secure Bank and Trust Co.Bank Palos Hills, IL | 39 out of 100, Low | $396.2M | 11.5% | 6.29% | vs |
| First National Bank & Trust CompanyBank Clinton, IL | 53 out of 100, Below average | $388.1M | 7.8% | 0.88% | vs |
| Byron BankBank Byron, IL | 69 out of 100, Moderate | $384.4M | 10.2% | 1.28% | vs |
| First Trust Bank of IllinoisBank Kankakee, IL | 71 out of 100, Strong | $406.3M | 10.3% | 0.71% | vs |
| Municipal Trust and Savings BankBank Bourbonnais, IL | 95 out of 100, Very strong | $382.2M | 15.6% | 0.04% | vs |
| Community Savings BankBank Chicago, IL | 75 out of 100, Strong | $410.2M | 13.5% | 0.20% | vs |
Deposit insurance
Is my money safe at First National Bank of Pana?
Yes. First National Bank of Pana is an FDIC-insured institution (FDIC certificate #3720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.0% of deposits ($70.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
First National Bank of Pana lists 6 offices in 5 cities. Most locations:
- Decatur, IL (2)
- Assumption, IL (1)
- Blue Mound, IL (1)
- Pana, IL (1)
- Taylorville, IL (1)
Identity & history
Profile
- Legal name
- First National Bank of Pana
- Type
- National bank
- FDIC certificate #
- 3720
- RSSD ID
- 860147
- Primary regulator
- OCC
- Established
- January 1, 1930
- Headquarters
- 306 S Locust St, Pana, IL 62557
- Website
- www.fnbquality.bank
- Employees
- 45
Quick answers
First National Bank of Pana: common questions
Is First National Bank of Pana FDIC insured?
Yes. First National Bank of Pana is an FDIC-insured institution (FDIC certificate #3720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank of Pana's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First National Bank of Pana ever failed?
There is no failure record for FDIC certificate #3720 in the FDIC failed bank list.
How many branches does First National Bank of Pana have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank in TaylorvilleBank Taylorville, IL | 92 out of 100, Very strong | $200.1M | 14.4% | 0.00% | vs |
| Midland Community BankBank Kincaid, IL | 88 out of 100, Very strong | $68.8M | 12.1% | 0.00% | vs |
| First State Bank of Beecher CityBank Beecher City, IL | 88 out of 100, Very strong | $112.2M | 16.0% | 0.81% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Citizens Bank of EdinburgBank Edinburg, IL | 79 out of 100, Strong | $29.0M | 11.9% | 0.00% | vs |