TellerScore

The First National Bank of Ava is a national bank headquartered in Ava, Illinois, in business for about 109 years. At the end of Q2 2026 it reported $78.3M in total assets and $69.5M in deposits, with 1 office.

The First National Bank of Ava has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 44th. Problem-loan coverage contributes the most (99/100, 0.3%); earnings contributes the least (62/100, 1.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.76%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 63.5% · 20.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.32%

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

From Q2 2025 to Q2 2026, the score rose 5 points (79 → 84), mostly because the loan quality component improved by 7 points.

TellerScore
687684Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202476
Q4 202481
Q1 202579
Q2 202579
Q3 202580
Q4 202580
Q1 202681
Q2 202684
Tier 1 leverage ratio
5.00%9.06%13.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.11%
Q3 202412.59%
Q4 202412.31%
Q1 202512.22%
Q2 202512.32%
Q3 202512.45%
Q4 202512.61%
Q1 202612.53%
Q2 202612.76%
Noncurrent loans
0.07%0.88%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.69%
Q3 20240.71%
Q4 20240.28%
Q1 20250.29%
Q2 20250.28%
Q3 20250.29%
Q4 20250.31%
Q1 20260.29%
Q2 20260.07%
Return on assets
0.69%0.87%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.77%
Q4 20241.01%
Q1 20250.84%
Q2 20250.88%
Q3 20250.94%
Q4 20250.95%
Q1 20261.04%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$78.3M12.76%0.07%1.05%63.5%
Q1 202681$78.7M12.53%0.29%1.04%59.8%
Q4 202580$76.6M12.61%0.31%0.95%62.5%
Q3 202580$76.5M12.45%0.29%0.94%59.5%
Q2 202579$77.2M12.32%0.28%0.88%52.4%
Q1 202579$78.3M12.22%0.29%0.84%50.9%
Q4 202481$74.5M12.31%0.28%1.01%53.6%
Q3 202476$73.8M12.59%0.71%0.77%51.6%
Q2 202468$72.2M13.11%1.69%0.69%48.7%

546 peers · Under $100 million in assets

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).

Capital ratio12.76%
50th
Total risk-based capital20.61%
75th
Problem loans0.07%
64th
Net charge-offs-0.00%
82nd
Return on assets1.05%
53rd
Net interest margin4.15%
63rd
Efficiency ratio67.8%
56th
Loans to deposits63.5%
54th
Uninsured deposits20.3%
33rd
Loan-loss reserves1.73%
78th
Texas ratio0.3%
65th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of OlmstedBank Olmsted, IL64 out of 100, Moderate$78.4M12.6%2.09%vs
Marseilles BankBank Marseilles, IL56 out of 100, Moderate$77.6M8.3%1.02%vs
Washington State BankBank Washington, IL61 out of 100, Moderate$79.1M9.1%1.03%vs
Beardstown Savings s.b.Bank Beardstown, IL64 out of 100, Moderate$79.5M10.5%1.15%vs
Kinmundy BankBank Kinmundy, IL85 out of 100, Very strong$80.1M13.0%0.67%vs
The Atlanta National BankBank Atlanta, IL69 out of 100, Moderate$81.3M11.6%1.00%vs

Deposit insurance

Is my money safe at The First National Bank of Ava?

Yes. The First National Bank of Ava is an FDIC-insured institution (FDIC certificate #3761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.3% of deposits ($14.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.61% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The First National Bank of Ava lists 1 office in 1 city. Most locations:

  • Ava, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Ava reported 33 home-loan applications under HMDA (LEI 549300OZZQ1ZON9W1K45): 17 originated ($2,425,000 total), 7 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The First National Bank of Ava
Type
National bank
FDIC certificate #
3761
RSSD ID
858443
Primary regulator
OCC
Holding company
Headquarters Holding Co
Established
January 1, 1917
Headquarters
304 W Main St, Ava, IL 62907
Employees
15

Quick answers

The First National Bank of Ava: common questions

Is The First National Bank of Ava FDIC insured?

Yes. The First National Bank of Ava is an FDIC-insured institution (FDIC certificate #3761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Ava's TellerScore?

84 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 The First National Bank of Ava ever failed?

There is no failure record for FDIC certificate #3761 in the FDIC failed bank list.

How many branches does The First National Bank of Ava have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ava

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of SteelevilleBank Steeleville, IL90 out of 100, Very strong$274.5M13.5%0.44%vs
Carbondale Highway Credit UnionCredit union Carbondale, IL90 out of 100, Very strong$5.6M15.6%0.00%vs
The First National Bank of SpartaBank Sparta, IL84 out of 100, Strong$114.6M12.6%0.56%vs
Du Quoin State BankBank Du Quoin, IL78 out of 100, Strong$148.2M10.8%0.00%vs
Buena Vista National BankBank Chester, IL77 out of 100, Strong$344.0M11.1%0.36%vs
First State Bank of Campbell HillBank Campbell Hill, IL76 out of 100, Strong$160.1M13.8%1.59%vs