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Letter portraitLegal landscapeQuarterYTD

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