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Havana National Bank, The

Havana, IL · Cert 3677 · Community Investment Group Ltd.

National charter · OCC · 6 branches

Q2 2026

$332.8MAssets
$232.2MLoans
$234.2MDeposits
$37.7MEquity
Loan mix
86%RE $129.4M12%C&I $18.4M2%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $203.3M13%Noninterest $30.9MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.81%Q2 ’255.06%Q2 ’26+5%+3%

Non-interest income vs. expense

2.09%Q2 ’242.18%Q2 ’252.18%Q2 ’26-5%-10%

Market Position · Peoria, IL · 2026 SOD (annual) · 0.1% share · #35 of 35 inst. · $0.0B of $10.0B

43.5% Mason
1.7% Fulton
2.5% Cass
0.2% Tazewell

Executive Summary

  • Earnings: ROA of 1.63%, up 15 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 2.69% of loans (-9 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.17%, up 23 bps from a year ago.
  • Funding: loans stand at 99.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.63%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+12 bps YoY

Efficiency Ratio (YTD, annualized)

49.47%-314 bps YoY

Tier 1 Leverage Ratio

12.17%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.44%1.43%1.31%1.63%+15 bps
Return on Equity13.77%13.34%13.15%11.88%14.66%+89 bps
Net Interest Margin3.45%3.43%3.39%3.43%3.57%+12 bps
Efficiency Ratio52.61%52.16%52.12%54.50%49.47%-314 bps
Non-Interest Burden1.51%1.51%1.50%1.65%1.36%-15 bps
Growth
Asset Growth (YoY)3.38%7.10%8.41%8.24%2.75%-63 bps
Loan Growth (YoY)10.22%11.31%13.07%8.45%2.74%-748 bps
Deposit Growth (YoY)-0.40%9.04%3.93%4.00%-0.96%-56 bps
Asset Quality
Nonperforming Loans / Loans2.77%1.92%1.28%1.33%2.69%-9 bps
Net Charge-Offs / Loans-0.04%-0.03%-0.01%0.03%0.04%+7 bps
Allowance / Loans0.99%1.05%1.07%1.09%1.04%+5 bps
Allowance Coverage of NPLs0.4x0.5x0.8x0.8x0.4x0.0x
Capital
Tier 1 Leverage Ratio11.94%11.81%11.85%11.87%12.17%+23 bps
Total Risk-Based Capital11.94%11.81%11.85%11.87%12.17%+23 bps
Equity / Assets10.42%10.95%11.28%10.71%11.33%+92 bps
Liquidity & Funding
Loans / Deposits95.56%99.01%100.47%92.98%99.12%+356 bps
Liquid Assets / Assets3.08%1.58%2.65%8.95%4.33%+125 bps
CRE / Total Capitaln/a25.19%25.26%25.38%n/an/a