BlastPoint's Banking Scorecard
The Havana National Bank
Micro
Specialty: Agricultural
IL
FDIC cert 3677
Designations: ✓ Community bank
Havana, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The Havana National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.86% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$325.1M
+8.4% YoY
+0.8% QoQ
|
+$107.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$225.7M
+13.1% YoY
-0.7% QoQ
|
+$86.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$227.1M
+3.9% YoY
-2.1% QoQ
|
+$43.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.43%
+14.5% YoY
-0.5% QoQ
|
+0.35% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.77%
+5.8% YoY
+0.2% QoQ
|
-0.08% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
52.12%
-4.8% YoY
-0.1% QoQ
|
-15.61% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
1.30%
+145.5% YoY
-33.1% QoQ
|
+0.66% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
99.39%
+8.8% YoY
+1.4% QoQ
|
+24.86% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.70%
-1.8% YoY
-0.1% QoQ
|
-7.70% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.90%
+116.2% YoY
-34.1% QoQ
|
+0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.59%
+5.5% YoY
+29.3% QoQ
|
+0.03% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
99.39%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Efficiency Ratio
Current: 52.12% · Tier avg: 67.73%
80
80th pctile
Total Loans
Current: $225.7M · Tier avg: $139.2M
77
77th pctile
Total Assets
Current: $325.1M · Tier avg: $217.5M
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
66
66th pctile
Total Deposits
Current: $227.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
23
23th pctile
Delinquency Rate
Current: 1.30% · Tier avg: 0.64%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.70% · Tier avg: 22.39%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.90% · Tier avg: 0.45%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.39% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.39% · Tier avg: 74.53%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.90% · Tier avg: 0.45%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.70% · Tier avg: 22.39%
23
23th pctile
Delinquency Rate
Current: 1.30% · Tier avg: 0.64%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Total Deposits
Current: $227.1M · Tier avg: $183.7M
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
77
77th pctile
Total Assets
Current: $325.1M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $225.7M · Tier avg: $139.2M
86
86th pctile
Efficiency Ratio
Current: 52.12% · Tier avg: 67.73%