Bank · FDIC insured
First National Bank of Pana
A $394.8M bank headquartered in Pana, IL, with 6 branches in Illinois. Best rates: CDs 4.40% and savings 0.10% APY.
First National Bank of Pana Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#11 of 15 in Decatur, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank of Pana
- Headquarters
- 306 S Locust St, Pana, IL 62557
- FDIC certificate
- 3720 ↗
Branches
6 branches in Illinois
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Illinois
6 branches
Taylorville area · 3
- First National Bank of PanaMain office306 S Locust St, Pana, IL 62557Directions
- Assumption BranchEast Illinois Street And Route 51, Assumption, IL 62510Directions
- Spresser Branch600 W Spresser St, Taylorville, IL 62568Directions
Decatur area · 3
- The Old State Bank Of Blue Mound Branch202 N Saint Marie St, Blue Mound, IL 62513Directions
- Decatur Baltimore Road Branch1688 S Baltimore Ave, Decatur, IL 62521Directions
- Decatur Water Street Branch100 S Water St, Decatur, IL 62523Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.55% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.58% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio10.55%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.58%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank of Pana are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.