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First National Bank of Ava, The

Ava, IL · Cert 3761 · Headquarters Holding Co.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

93

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

38

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Ava, The

Ava, IL · Cert 3761 · Headquarters Holding Co.

National charter · OCC · 1 branch

Q2 2026

$78.3MAssets
$45.0MLoans
$69.5MDeposits
$8.5MEquity
Loan mix
84%RE $28.8M6%C&I $2.2M9%Consumer $3.2MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $55.7M20%Noninterest $13.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.05%, up 17 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.07% of loans (-22 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.76%, up 44 bps from a year ago.
  • Funding: loans stand at 64.65% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.05%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+32 bps YoY

Efficiency Ratio (YTD, annualized)

67.82%-402 bps YoY

Tier 1 Leverage Ratio

12.76%+44 bps YoY

NIM

4.46%Q2 ’244.53%Q2 ’254.78%Q2 ’26+2%+9%

Non-interest income vs. expense

2.85%Q2 ’242.68%Q2 ’252.75%Q2 ’26-6%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%1.01%0.84%0.88%0.94%0.95%1.04%1.05%+17 bps
Return on Equity7.97%10.54%8.86%9.20%9.32%9.27%9.49%9.59%+40 bps
Net Interest Margin3.42%3.29%3.47%3.56%3.66%3.72%3.83%3.88%+32 bps
Efficiency Ratio75.09%73.57%72.79%71.85%70.38%72.18%68.16%67.82%-402 bps
Non-Interest Burden2.53%2.37%2.47%2.51%2.53%2.65%2.56%2.58%+6 bps
Growth
Asset Growth (YoY)3.22%3.72%6.49%6.92%3.55%2.78%0.53%1.46%-546 bps
Loan Growth (YoY)2.78%10.77%14.19%14.20%17.22%17.37%15.95%20.85%+665 bps
Deposit Growth (YoY)5.81%4.10%6.12%6.52%2.01%1.06%-1.03%-0.01%-653 bps
Asset Quality
Nonperforming Loans / Loans0.71%0.28%0.29%0.28%0.29%0.31%0.29%0.07%-22 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.02%-0.02%-0.02%-0.01%0.00%0.00%+2 bps
Allowance / Loans2.21%2.09%2.10%2.08%1.90%1.79%1.82%1.73%-36 bps
Allowance Coverage of NPLs3.1x7.5x7.1x7.3x6.5x5.8x6.4x25.9x+18.6x
Capital
Tier 1 Leverage Ratio12.59%12.31%12.22%12.32%12.45%12.61%12.53%12.76%+44 bps
Total Risk-Based Capital21.90%22.09%21.98%22.34%20.81%20.79%20.94%20.61%-173 bps
Equity / Assets10.22%9.51%9.51%9.66%11.56%11.02%10.91%10.91%+125 bps
Liquidity & Funding
Loans / Deposits52.76%54.76%51.95%53.49%60.63%63.60%60.86%64.65%+1,116 bps
Liquid Assets / Assets0.11%0.10%0.09%0.10%0.10%0.10%0.10%0.10%+1 bps
CRE / Total Capitaln/an/an/an/a68.59%77.68%82.73%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Ava, The

Ava, IL · Cert 3761 · Peer group: banks under $1B in assets in IL (n=149-151) · Headquarters Holding Co.

National charter · OCC · 1 branch

Q2 2026

$78.3MAssets
$45.0MLoans
$69.5MDeposits
$8.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
  • Widest gap: efficiency ratio trails 62% of banks under $1B in assets in IL (rank 95 of 151).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.04%

Rank 73 of 151

Net Interest Margin

3.88%

Rank 33 of 151

Efficiency Ratio

67.82%

Rank 95 of 151

Equity / Assets

10.91%

Rank 66 of 151

Non-interest income vs. expense

$0.1M$2.2MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 38% of banks under $1B in assets in IL
Bank 67.82%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.04%0.70%1.03%1.34%Beats 52%73 / 151
Return on Equity9.57%6.74%9.34%12.94%Beats 52%72 / 151
Net Interest Margin3.88%3.02%3.43%3.83%Beats 78%33 / 151
Efficiency Ratio67.82%54.64%64.89%72.50%Beats 38%95 / 151
Asset Quality
Nonperforming Loans / Loans0.07%0.20%0.66%1.77%Beats 85%23 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio19.35%11.83%14.17%18.66%Beats 78%33 / 151
Total Risk-Based Capital Ratio20.61%12.22%14.54%19.92%Beats 78%33 / 151
Equity / Assets10.91%9.10%10.65%12.40%Beats 56%66 / 151
Liquidity & Funding
Loans / Deposits64.65%54.39%71.02%80.75%36th pctl95 / 149
Loans / Assets57.41%45.91%61.31%68.01%44th pctl85 / 151
Brokered Deposits / Depositsn/aNot reported for this institution