First National Bank of Pana: how it compares with its peers
Against 133 IL banks with half to twice its assets, First National Bank of Pana's strongest measure in Q2 2026 is assets per employee ($8.8M vs. a $7.2M peer median). Its weakest relative measure is net interest margin (3.70% vs. 3.69%).
| Measure | First National Bank of Pana | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.58% | 1.14% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.69% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.36% | 62.90% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.8M | $7.2M | Top third Ahead of 76% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.58% | 75.98% | Context |
What it means for lending operations
Its efficiency ratio of 56.36% is better than the 62.90% 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
- First Secure Bank and Trust Co. Palos Hills, IL · $396M
- First National Bank & Trust Company Clinton, IL · $388M
- Byron Bank Byron, IL · $384M
- First Trust Bank of Illinois Kankakee, IL · $406M
- Municipal Trust and Savings Bank Bourbonnais, IL · $382M
- Community Savings Bank Chicago, IL · $410M
Questions about First National Bank of Pana
How big is First National Bank of Pana?
First National Bank of Pana, established in 1930, is headquartered in Pana, IL. It reported $395M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First National Bank of Pana's return on assets?
1.58% annualized in Q2 2026, against a 1.14% median for 133 IL banks with half to twice its assets, ahead of 75% of them.
What is First National Bank of Pana's efficiency ratio?
56.36% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 62.90%, and lower is better.
Is First National Bank of Pana growing its loans?
Net loans grew 7.8% over the year to Q2 2026, while deposits grew 10.6%.
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.