The Havana National Bank: how it compares with its peers
Against 141 IL banks with half to twice its assets, The Havana National Bank's strongest measure in Q2 2026 is efficiency ratio (49.47% vs. a 64.53% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $6.8M).
| Measure | The Havana National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.63% | 1.14% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 3.70% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.47% | 64.53% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.8M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.10% | 75.34% | Context |
What it means for lending operations
Its efficiency ratio of 49.47% is better than the 64.53% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Harvard State Bank Harvard, IL · $331M
- The First Trust and Savings Bank of Watseka, Illinois Watseka, IL · $337M
- First State Bank of Forrest Forrest, IL · $328M
- Farmers State Bank Pittsfield, IL · $340M
- The First National Bank in Amboy Amboy, IL · $325M
- Farmers State Bank of Alto Pass, Ill. Alto Pass, IL · $342M
Questions about The Havana National Bank
How big is The Havana National Bank?
The Havana National Bank, established in 1875, is headquartered in Havana, IL. It reported $333M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is The Havana National Bank's return on assets?
1.63% annualized in Q2 2026, against a 1.14% median for 141 IL banks with half to twice its assets, ahead of 77% of them.
What is The Havana National Bank's efficiency ratio?
49.47% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 64.53%, and lower is better.
Is The Havana National Bank growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits shrank 1.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.