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
Unfavorable gap of $2.1M · efficiency ratio beats 38% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.70% | 1.03% | 1.34% | Beats 52% | 73 / 151 | | |
| Return on Equity | 9.57% | 6.74% | 9.34% | 12.94% | Beats 52% | 72 / 151 | | |
| Net Interest Margin | 3.88% | 3.02% | 3.43% | 3.83% | Beats 78% | 33 / 151 | | |
| Efficiency Ratio | 67.82% | 54.64% | 64.89% | 72.50% | Beats 38% | 95 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.20% | 0.66% | 1.77% | Beats 85% | 23 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 19.35% | 11.83% | 14.17% | 18.66% | Beats 78% | 33 / 151 | | |
| Total Risk-Based Capital Ratio | 20.61% | 12.22% | 14.54% | 19.92% | Beats 78% | 33 / 151 | | |
| Equity / Assets | 10.91% | 9.10% | 10.65% | 12.40% | Beats 56% | 66 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.65% | 54.39% | 71.02% | 80.75% | 36th pctl | 95 / 149 | | |
| Loans / Assets | 57.41% | 45.91% | 61.31% | 68.01% | 44th pctl | 85 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |