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The Havana National Bank

Havana, IL · Est. 1875 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

The Havana National Bank is a bank based in Havana, Illinois, established in 1875, with $341 million in total assets across 6 branches. By Trust Grade it ranks 91st of 328 banks we track in Illinois. Its capital ratio of 10.7% is stronger than 59% of similarly sized banks, versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.31% return on assets. No consumer complaints against The Havana National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$341.1M
$100M–1B institution
Deposits
$240.7M
Branches
6
Capital ratio
10.7%
Top 41% of $100M–1B peers · Illinois median 10.3%
Return on assets
1.3%
Top 44% of $100M–1B peers · Illinois median 1.1%
Rank in Illinois
#91
of 328 banks

How The Havana National Bank compares to Illinois peers

Capital ratio
Top 41% of $100M–1B peers
The Havana
10.7%
Illinois median
10.3%
Higher capital ratio = stronger financial cushion
Return on assets
Top 44% of $100M–1B peers
The Havana
1.3%
Illinois median
1.1%
Higher ROA = more profitable relative to asset base

How we graded The Havana National Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (10.7% capital ratio)
  • Strongly profitable (ROA 1.31%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The Havana National Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (6)

  • 112 S Orange St, Havana, IL 62644
  • 101 W Main St, Green Valley, IL 61534
  • 143 S Main St, Lewistown, IL 61542
  • 112 S 2nd St, San Jose, IL 62682
  • 207 N Adams St, Manito, IL 61546
  • 20883 Il 125, Virginia, IL 62691

Are deposits at The Havana National Bank insured?

Yes. The Havana National Bank is an FDIC-insured bank (FDIC certificate #3677). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The Havana National Bank: frequently asked questions

Is The Havana National Bank a good bank?

The Havana National Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.7% capital ratio); Strongly profitable (ROA 1.31%).

Is The Havana National Bank FDIC-insured?

Yes. The Havana National Bank is a FDIC-insured bank (FDIC certificate #3677). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The Havana National Bank?

The Havana National Bank holds $341 million in total assets, ranking 91st of 328 banks we track in Illinois. It operates 6 branches.

Does The Havana National Bank have CFPB complaints?

No CFPB complaints against The Havana National Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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