# HAVANA NATIONAL BANK
HAVANA, IL · FDIC certificate 3677 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $332.8M | |
| Deposits | $234.2M | |
| Loans and leases | $232.2M | |
| Total equity | $37.7M | |
| Loans / deposits | 98.10% (p86 of band) | 82.04% |
| Liquid assets / assets | 25.18% (p51 of band) | |
| Uninsured deposits / deposits | 27.96% (p59 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 17.58% (p91 of band) | |
| FHLB advances / assets | 12.02% | |
| Tier 1 leverage | 12.17% (p71 of band) | 10.81% |
| Unrealized securities loss / equity | -9.58% (p45 of band) | -8.10% |
| AOCI / equity | -0.86% (p27 of band) | |
| ROA (annualized) | 1.63% (p71 of band) | 1.28% |
| Net interest margin | 3.80% (p43 of band) | 3.91% |
| Efficiency ratio | 49.47% (p17 of band) | |
| Noncurrent loans | 2.69% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p68 of band) | |
| Reserve coverage of noncurrent | 38.62% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 4.38% (p8 of band) | |
| Auto loans | $2.8M (1.19% of loans; DQ 2.57%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2016-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 | reserve under noncurrent | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | capital falling, noncurrent p90 |  |
| 2019-12 | 3 | charge-offs p90 | capital falling |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 5 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 3 |  | wholesale funding >15%, uninsured deposits leaving |
| 2021-03 | 4 | NIM <2.5% |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | noncurrent p90, capital falling |
| 2021-12 | 3 | noncurrent p90 |  |
| 2022-03 | 4 | capital falling |  |
| 2022-06 | 2 |  | noncurrent p90, capital falling |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking | NIM <2.5% |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | noncurrent p90, deposits shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 | wholesale funding >15%, securities losses >30% of equity | reserve under noncurrent, assets shrinking, noncurrent p90 |
| 2023-12 | 3 | charge-offs p90, uninsured deposits leaving | wholesale funding >15%, securities losses >30% of equity |
| 2024-03 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2024-06 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2024-09 | 2 | wholesale funding >15%, deposits shrinking | noncurrent p90, reserve under noncurrent |
| 2024-12 | 2 | uninsured deposits leaving | deposits shrinking |
| 2025-03 | 3 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 3 |  | noncurrent p90 |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-09-05 [Elizabeth "Betty" Sinnock Obituary Sep 5, 2023 - colwellmemorialhome.com](https://news.google.com/rss/articles/CBMiekFVX3lxTFBqT3RKZ0dfWExCSGdXeFRGZVVia3lkZHN6VU5GYXYzdWotaVo5dkdzdzNiM0hscV9tdnNQV3pfR0dYUEp3VmRXdGlvNHpFVGQ1dVVjdnp5SXliR1BBSFhkNE5wbmNpWEZDbkJmMEp0QjY1dnpjQXo2X2x3?oc=5) · colwellmemorialhome.com
- 2001-11-09 [William R. Wandrey Sr. Obituary Nov 9, 2001 - trimblefuneralhomes.com](https://news.google.com/rss/articles/CBMidkFVX3lxTFBQN3BsRDduWjNvcV9aWWZQS0pkaWRzVDQ5UEpTMEttRWhuV29kZS0wTHV3NlV3Tm5rREo4UG03Y1dkaWp6cll1U0dVMWdCMlFBR3JFRWVuRU9VZzVTN2kzS3paMm80VjZiUGdja2hqQ0RIMk01YVE?oc=5) · trimblefuneralhomes.com
- 2020-12-07 [Raymond Bassett Obituary - Pekin, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxObmZIQWNUd01DeU03RF9ReXRzQk8yalgzblFwRHQ1OGNxZ2w0WXFkbjhNUXowM2ZzcGpnaExtenhLUTdibUFSU1VBRTdqR1J2YXI4b0VMc3JOb2VHdHZkdU1JTnFRWFJyWVFRUDNidm5CaEwzR1VpQ2dsU0xfdnk0OQ?oc=5) · Dignity Memorial
- 2013-09-27 [Linda Curless Obituary (2013) - Havana, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQUG5adHhqZE5YVkNxS3hhMWFFNmlpekJ3Y0lQNVZUZ1dXN05CUm1HWXB0MHVwdTItWkFjSzBLU3BXS3I3d2NwaV9OZnNRNFh5a0p6c2dJT1NSX3I4Yzc0dVZSRkc0NTQ3NmNBWWJiTFhWZXgzNVk5cEtrd05YNVpsajBQaldqVU9OYWEw?oc=5) · legacy.com
- 2011-05-12 [Kelty withdraws as city corporation counsel nominee - The State Journal-Register](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPUG43aGY3YWllYk55R1dOSnU3R1E5b3lFWWNrdGFYbFkwdFNrSm9xQ045bkJwYVY4QmljLTZ5YXdEbldob09Hb2lWZERFLVE3WlE1ZEVUS1BCLWxRVzlmX2lVa3JzYTZBNjB5cHJtNVgwbUgwN2NXQ0dLMDNhc3NoQ2l2R1NvU3Yxc3VjUkxQWC1rZnVRTXJoR1Z6cmMxY3VNc2k4MGIwQU5mVms?oc=5) · The State Journal-Register
- 2016-07-14 [Moneta Bell Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQRGNRQl9SRG1FRUJhcmdlbms2cmZxV0lzWGxKTFRIdEJJbEVUZU5oamJXaGJQa2tXYUFRS2lvdzY5LVR5SENlWjY0UGoxa3VrQ3ZkVlFsQlVUWFgtZ2ttSjQ1SGQ3RUljTl9seGJFaWtuTldzYVJ6cTBfSGhwb21QQ3JGWTQ?oc=5) · Dignity Memorial
- 2014-11-20 [Kenneth Armbrust Obituary (2014) - Havana, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPMUFId3Y2aHV0UUFlcGF2TFlBN3hVTXB3cEo1bXl6cnhhQmNwZDVIR292LUJxczdaRHlRTnYtRHRpMkdjZkZGTlh4NkhPY01RcW1DYlZmTTJtZmVuYS1pQlpOYXloc2t3MWdvZlZfcTFDU1N4RlotY3RybVUzam9QclduV0VTdnpxbGZLczY3Zw?oc=5) · legacy.com
- 2015-04-21 [Larry BARRETT Obituary (1940 - 2015) - Havana, IL - The State Journal-Register - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUTJrclh4Zm5FUUxYNmdWSHRFRGx6MUpEblNKcUhSMHVmNGE1V1NpNjM3ZmhiMFU3bnN5OVFKT2lOdkdKQ2dDdXJaOE05TFdmU2ZoSWJGblpsSzNGc2FyZHlRdldLSDZMVGJjTU51Sko5Q25CMjBJR0hTX1dNaUYzTTV1NGdIa0hK?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3677 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "3677", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide