First National Bank of Pana

306 South Locust Street
Pana, IL 62557

Notable Rates APY Vs.Others
Savings 0.10% 2.25% →
1-Year CD 0.40% 2.25% →
2-Year CD 0.60% 2.50% →
5-Year CD 1.50% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

First National Bank of Pana is an FDIC insured institution located in Pana, IL. It was founded in 1930 and has approximately $0.18 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 3720
Date Established 1930
Assets $0.18 billion
Loans $0.13 billion
Deposits $0.16 billion
Capital $0.02 billion
 

For a more detailed analysis of First National Bank of Pana's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 14, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $2,500 $9,999 Learn MoreShow Less
Money Market
0.10% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $1,000 - Learn MoreShow Less
6 Mo CD
0.25% $1,000 - Learn MoreShow Less
12 Mo CD
0.40% $1,000 - Learn MoreShow Less
18 Mo CD
0.50% $1,000 - Learn MoreShow Less
24 Mo CD
0.60% $1,000 - Learn MoreShow Less
30 Mo CD
0.75% $1,000 - Learn MoreShow Less
36 Mo CD
1.00% $1,000 - Learn MoreShow Less
48 Mo CD
1.25% $1,000 - Learn MoreShow Less
60 Mo CD
1.50% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.65% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.75% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $750 - Learn MoreShow Less

Loan Rates - December 14, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First National Bank of Pana

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% -0.13 ($222) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
First Internet Bank
NMLS ID: 424182
3.537% 3.500% 0.50 $1,162 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to First National Bank of Pana
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

First National Bank of Pana branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First National Bank of Pana Locations


Financial Details

First National Bank of Pana Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Pana. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First National Bank of Pana U.S. Bank Average
2.96% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, First National Bank of Pana had $615,000 in non-current loans and $73,000 in owned real estate. To cover these potential losses it had $21,462,000 in equity and $1,816,000 in loans loss reserves. That gives it a Texas Ratio of 2.96%.

Return on Equity
First National Bank of Pana U.S. Bank Average
13.08% 9.50%

First National Bank of Pana has a Return on Equity of 13.08% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First National Bank of Pana U.S. Bank Average
11.64% 12.76%

First National Bank of Pana has a Capitalization of 11.64% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First National Bank of Pana Balance Sheet Analysis

As of June 30, 2019, First National Bank of Pana had assets of $184,408,000, loans of $131,131,000, and deposits of $162,057,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.13 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.16 billion
LIABILITIES
Total deposits $0.16 billion
      Interest-bearing deposits $0.13 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 90.34%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.16 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in First National Bank of Pana’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks, First National Bank of Pana’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.41
Multifamily
Mortgages
0.61
Credit Card Loans 0.00
Consumer Auto Loans 0.93
Small Business Loans 13.18
Construction and Development Loans 5.31
Commercial Real Estate 32.73
Commercial and Industrial Loans 8.25
Farm Loans 10.00

Frequently Asked Questions About First National Bank Of Pana

Branches and Savings

Is First National Bank Of Pana FDIC insured?

Yes. It is covered under FDIC Certificate #3720.

Why does First National Bank Of Pana pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First National Bank Of Pana CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First National Bank Of Pana a commercial bank?

Yes

Where are First National Bank Of Pana locations?

See branch locations nearby.

Is First National Bank Of Pana open on Saturdays?

Is First National Bank Of Pana open on Sundays?

What time does First National Bank Of Pana open?

What time does First National Bank Of Pana close?

Are First National Bank Of Pana ATMs Open 24/7?

Do First National Bank Of Pana ATMs accept cash deposits?

Can First National Bank Of Pana customers use other ATMs?

Do First National Bank Of Pana branches have notaries?

Will First National Bank Of Pana notarize my document?

What address for First National Bank Of Pana should I put for incoming ACH transfers?

Will the First National Bank Of Pana branch print checks?

Do First National Bank Of Pana checks expire?

Does First National Bank Of Pana require US citizenship to open account?

Can First National Bank Of Pana close my account?

Does First National Bank Of Pana Report to credit bureaus?

Does First National Bank Of Pana Use Equifax?

What is First National Bank Of Pana's ACH Routing Number?

What is First National Bank Of Pana's SWIFT code?

Products

Does First National Bank Of Pana offer mortgages?

Compare mortgage rates here.

Does First National Bank Of Pana offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank Of Pana offer personal loans?

Compare personal loan rates here.

Does First National Bank Of Pana offer student loans?

Will First National Bank Of Pana cash a check?

Will First National Bank Of Pana redeem a savings bond?

Does First National Bank Of Pana cash savings bonds?

Will First National Bank Of Pana cash money orders?

Can First National Bank Of Pana issue a money order?

Does First National Bank Of Pana do currency exchange?

Background on The Bank

Who owns First National Bank Of Pana?

How long has First National Bank Of Pana been around?

Can First National Bank Of Pana transfer to other banks?

Does First National Bank Of Pana have quick pay?

Does First National Bank Of Pana accept rolled coins?

Will First National Bank Of Pana accept loose change?

Where is First National Bank Of Pana headquarters?

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