What is First National Bank of Pana's financial health grade?

First National Bank of Pana has a TFS Financial Health Grade of C (score: 74.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First National Bank of Pana have?

First National Bank of Pana has 6 branch locations across the United States.

Is First National Bank of Pana FDIC insured?

Yes, First National Bank of Pana is FDIC insured (Certificate #3720).

What are the total assets of First National Bank of Pana?

First National Bank of Pana has total assets of $392.1M as reported in its most recent FDIC filing.

First National Bank of Pana

BankPana, Illinois

www.fnbquality.bank

Total Assets

$392.1M

Total Deposits

$348.7M

Branches

Established

1930

TFS Health Grade

74.4 / 100

Average financial health

How we grade

First National Bank of Pana is a bank headquartered in Pana, Illinois, established in 1930. With $392.1M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C (74.4/100).

Capital & Safety

Tier 1 Capital Ratio

10.71%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.17%

Profitability

Return on Assets (ROA)

1.97%(1%)

Return on Equity (ROE)

19.28%(10%)

Net Interest Margin

3.71%

Efficiency Ratio

45.95%(60%)

Lending & Liquidity

Total Loans

$282.5M

Loan-to-Deposit Ratio

80.23%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+16.12%

Deposit Growth (YoY)

+15.94%

Net Income

$7.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First National Bank of PanaHQ	306 S Locust St	Pana	IL	11
First National Bank of Pana	East Illinois Street And Route 51	Assumption	IL	11
First National Bank of Pana	202 N Saint Marie St	Blue Mound	IL	11
First National Bank of Pana	1688 S Baltimore Ave	Decatur	IL	11
First National Bank of Pana	100 S Water St	Decatur	IL	11
First National Bank of Pana	600 W Spresser St	Taylorville	IL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.