TellerScore

Headquartered in Havana, Illinois, The Havana National Bank is a national bank with $332.8M in total assets and $234.2M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1875.

The Havana National Bank has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 277th. Earnings contributes the most (85/100, 1.63%); loan quality contributes the least (10/100, 2.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.17%
Loan quality10/100
Noncurrent loans ÷ total loans: 2.69%
Earnings85/100
Return on assets (annualized): 1.63%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 98.1% · 28.0% uninsured
Problem-loan coverage69/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.61%

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 2 points (53 → 55), mostly because the earnings component improved by 6 points.

TellerScore
496376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202471
Q4 202476
Q1 202557
Q2 202553
Q3 202560
Q4 202565
Q1 202666
Q2 202655
Tier 1 leverage ratio
5.00%8.76%12.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.02%
Q3 202412.19%
Q4 202412.52%
Q1 202512.45%
Q2 202511.94%
Q3 202511.81%
Q4 202511.85%
Q1 202611.87%
Q2 202612.17%
Noncurrent loans
0.52%1.95%3.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.39%
Q3 20240.77%
Q4 20240.52%
Q1 20252.42%
Q2 20252.77%
Q3 20251.92%
Q4 20251.28%
Q1 20261.33%
Q2 20262.69%
Return on assets
1.19%1.41%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.19%
Q3 20241.23%
Q4 20241.25%
Q1 20251.21%
Q2 20251.48%
Q3 20251.44%
Q4 20251.43%
Q1 20261.31%
Q2 20261.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$332.8M12.17%2.69%1.63%98.1%
Q1 202666$341.1M11.87%1.33%1.31%92.0%
Q4 202565$325.1M11.85%1.28%1.43%99.4%
Q3 202560$322.6M11.81%1.92%1.44%98.0%
Q2 202553$323.9M11.94%2.77%1.48%94.6%
Q1 202557$315.1M12.45%2.42%1.21%88.2%
Q4 202476$299.8M12.52%0.52%1.25%91.4%
Q3 202471$301.2M12.19%0.77%1.23%96.0%
Q2 202449$313.3M12.02%3.39%1.19%85.5%

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).

Capital ratio12.17%
67th
Total risk-based capital0.00%
24th
Problem loans2.69%
7th
Net charge-offs0.04%
32nd
Return on assets1.63%
72nd
Net interest margin3.80%
42nd
Efficiency ratio49.5%
84th
Loans to deposits98.1%
12th
Uninsured deposits28.0%
35th
Loan-loss reserves1.04%
31st
Texas ratio15.6%
9th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The Harvard State BankBank Harvard, IL70 out of 100, Strong$331.5M8.8%0.26%vs
The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL96 out of 100, Very strong$337.1M16.1%0.03%vs
First State Bank of ForrestBank Forrest, IL49 out of 100, Below average$328.3M9.1%1.83%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs
Farmers State Bank of Alto Pass, Ill.Bank Alto Pass, IL53 out of 100, Below average$342.4M9.5%2.52%vs

Deposit insurance

Is my money safe at The Havana National Bank?

Yes. The Havana National Bank is an FDIC-insured institution (FDIC certificate #3677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.0% of deposits ($65.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.17%, 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%).

Check how much of your own balance is covered

7 locations

Branches

The Havana National Bank lists 7 offices in 7 cities. Most locations:

  • Green Valley, IL (1)
  • Havana, IL (1)
  • Lewistown, IL (1)
  • Manito, IL (1)
  • San Jose, IL (1)
  • Virginia, IL (1)
  • Williamsville, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Havana National Bank reported 28 home-loan applications under HMDA (LEI 549300BO5UTSDB76V724): 22 originated ($2,470,000 total), 5 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.5%, 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 Havana National Bank
Type
National bank
FDIC certificate #
3677
RSSD ID
940731
Primary regulator
OCC
Holding company
Community Investment Group Ltd
Established
March 30, 1875
Headquarters
112 S Orange St, Havana, IL 62644
Employees
55

Quick answers

The Havana National Bank: common questions

Is The Havana National Bank FDIC insured?

Yes. The Havana National Bank is an FDIC-insured institution (FDIC certificate #3677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Havana National Bank's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Havana National Bank ever failed?

There is no failure record for FDIC certificate #3677 in the FDIC failed bank list.

How many branches does The Havana National Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Havana

InstitutionScoreAssetsCapitalProblem loansCompare
Mason City National BankBank Mason City, IL96 out of 100, Very strong$91.4M15.3%0.04%vs
Community Bank of EastonBank Easton, IL85 out of 100, Very strong$43.0M16.3%0.00%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
Petefish, Skiles & Co.Bank Virginia, IL75 out of 100, Strong$501.6M9.1%0.14%vs
The Family Credit UnionCredit union Davenport, IA75 out of 100, Strong$253.3M14.0%1.10%vs
Ipava State BankBank Lewistown, IL73 out of 100, Strong$221.9M9.7%0.20%vs