# FIRST NATIONAL BANK OF AVA
AVA, IL · FDIC certificate 3761 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $78.3M | |
| Deposits | $69.5M | |
| Loans and leases | $45.0M | |
| Total equity | $8.5M | |
| Loans / deposits | 63.54% (p35 of band) | 73.59% |
| Liquid assets / assets | 41.02% (p64 of band) | |
| Uninsured deposits / deposits | 20.35% (p52 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.76% (p61 of band) | 11.76% |
| Unrealized securities loss / equity | -26.30% (p17 of band) | -6.57% |
| AOCI / equity | -1.26% (p22 of band) | |
| ROA (annualized) | 1.05% (p43 of band) | 1.17% |
| Net interest margin | 4.15% (p62 of band) | 3.93% |
| Efficiency ratio | 67.82% (p55 of band) | |
| Noncurrent loans | 0.07% (p32 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 2586.67% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 25.79% (p60 of band) | |
| Auto loans | $733,000 (1.63% of loans; DQ 1.23%, NCO 0.00%) | |
| Loans to nondepository financials | $2.3M (27% of equity) (p99 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2024-05-15 [John Cecil Edgar Obituary May 15, 2024 - Wilson's Funeral Home | Ava, IL](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBESkxYMFU4VXlLMDhGU3lUR21DcTB1Mlc5MzNDc1M2ZG5SdUZ0RkM1RFlkVDh5UTFhUnE0OTNZYm5feE5mZHc1UEdKTTJkdjVMVWhieXRQendEbGVaQ0k3ZHpGVjJ4czQ?oc=5) · Wilson's Funeral Home | Ava, IL
- 2014-05-09 [Grad inspires commitment to agriculture - SIU News](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1JbzgwaWN0MTNFREgzRzhDMDh1S2gyMVNhUW9jb2s0VHVzVzRWcXZKQlBzYWpTWlcxeEgzU1p2dF9MM2VUc2hKZ2Z5MzJsYmp0S0t2MmxTSWctM3M?oc=5) · SIU News
- 2013-06-20 [Man charged with murder of 4 children after fire found fit to stand trial - KFVS12](https://news.google.com/rss/articles/CBMisgFBVV95cUxQOU9WdXJZRUtySDE0THg4NVRFQlN1VHI0N3FLdnFSTDBoUXp3ekZPeDJ5MkRaWnhMZnlvQzJ3VS12OUlkOFZHWEdpSnB2ZG1fcHBxZ1hMU2xQMkhtdTQ4OHpTbGg4b3ZVWWZ5dVBxeXQ1ekd2VXFtTmN4ajJvSUF3SDBNNExRdVpadTlCS1JJdGtBTWlHQ2sxSHl2NGtiVDRyVHNCaEZ5cHpXMEhhTXdHeXVB0gHEAUFVX3lxTE9hNjlldXE1YmRlNTZCSDFvVFhSankwTGtUaUVIeHNOd1A5aFRnQmEzX1BwMTNHbEFKMGhoYTVRcEhQLWFXUkQwMU9jMWlLQXROdVFCVUt3d2gxNDg1TXZOc2NyUlUyd09Iakpha2lJOHdPQ1BMZGdzMWZ6SHFST3JwanZhdHYwRzdGX0NEY2JrUng5UE1xVmdMbkxkQ1d3MGJDc1RMSDBWYWRWV1d5SzFEUWJVaUN3LWpFb3ZJcU1TTWs2RFY?oc=5) · KFVS12
- 2014-01-31 [Four kids die in fire - Southern Illinoisan](https://news.google.com/rss/articles/CBMiogFBVV95cUxOVlBTdDBpajByWHBaYnI5eFRzeTZSc3l1VVMzTEtxcW1IM19wc3dwMEZXTVFJWE0wZ05fMnd3dXBUd0VHQXhBbTJUbVVVZWhJb1BNWkRFcFVaaDJXRGFYQ2l4ZnoxQ1BmOHdsbDQ4cnN3ekZaZklxd2xXNWstWkswV1ZPdE5YMUdsMGJlSTRuUFRHdjZBQm45cGYxOC1Gb2NGZHc?oc=5) · Southern Illinoisan
- 2015-06-14 [Francis W. "Frank" Cheatham Obituary Jun 14, 2015 - Wilson's Funeral Home | Ava, IL](https://news.google.com/rss/articles/CBMid0FVX3lxTFAxbktUdld4bndwUDNoMWw3UnFHS3dCWWpyMThtcVlqaEttNEltZEdvOWd6ekxid0tRYzBJTW9WcjJtdm9zTDVQa0ZnX0lrN1E5MWpPaDliSDE3Z0EtTTlpbmd4M05Ndk1RRmNsd0p2NWlBUTkzY21J?oc=5) · Wilson's Funeral Home | Ava, IL
- 2007-04-19 [Lester Allen Obituary (2007) - AVA, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOclcwWXpjc19tUUVJaFpRMGlmX1hMWkZselJTczZycXlld3M1VDZJZlpxQjlUN2tRckRFYXMxUXF5QU9USGExU3NyYURtYVNKSWNiR0lIS2h0X2hzWG1wLWZzNGZWY3loMHE1MDR6WWtmT000QjdDWGZBV3JpLTZ6Z0Q1VmJjRHZIWGtLVVNKTzI?oc=5) · legacy.com
- 2014-07-20 [Bob L. Baker Obituary Jul 20, 2014 - Wilson's Funeral Home | Ava, IL](https://news.google.com/rss/articles/CBMiZkFVX3lxTE45Nzc5SWxQQWJ4SU54UTBPQjYxR3gtS29sZ0g0NE44Z0sxVEt3LTFtUzZSY3VxTjVFaWc2a1pXQkZWRUlPeVRpa1EtRGxKcWhkYUE5MEI2YnBNOWV2YXIxeUJ2SVhJZw?oc=5) · Wilson's Funeral Home | Ava, IL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3761 (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/49.json (key "3761", 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