Havana National Bank (FDIC #3677): Bank Stress & Real-Estate Credit Exposure
Havana National Bank (FDIC Cert #3677): bank stress 53/100, moderate, STABLE over 7 days; parent COMMUNITY INVESTMENT GROUP LTD.
Havana National Bank (#3677) lends in 4 counties across 1 state; Havana National Bank (#3677) reaches 60 ZIP codes: Illinois 4 counties, 60 ZIPs.
Havana National Bank (#3677) largest markets: Fulton County, IL (24 branches, 24 ZIPs) (#3677), Tazewell County, IL (21 branches, 21 ZIPs) (#3677), Mason County, IL (33 branches, 11 ZIPs) (#3677), Cass County, IL (8 branches, 8 ZIPs) (#3677).
Havana National Bank (#3677) reports $332.8 million in total assets; Havana National Bank (#3677) equity $37.7 million (11.3% of Havana National Bank (#3677) assets); Havana National Bank (#3677) domestic deposits $234.2 million; Havana National Bank (#3677) net income $2.7 million; Havana National Bank (#3677) return on assets 1.63%; Havana National Bank (#3677) return on equity 14.66%; Havana National Bank (#3677) net interest income $5.9 million; Havana National Bank (#3677) call report June 30, 2026.
Havana National Bank (#3677) noncurrent real-estate loans 0.04% of its book; Havana National Bank (#3677) net charge-offs on real estate 2.59%; Havana National Bank (#3677) residential charge-offs 7.36%.
Havana National Bank (#3677) net interest margin 3.80% against an eight-quarter Havana National Bank (#3677) average of 3.67% (Havana National Bank (#3677) compression -0.13 points); Havana National Bank (#3677) real-estate loans 3.8% of equity; Havana National Bank (#3677) non-residential real estate 735.8% of equity; Havana National Bank (#3677) rate-exposure score 40/100, Havana National Bank (#3677) fixed-rate trap 40/100; Havana National Bank (#3677) risk type credit driven; Havana National Bank (#3677) rate regime rates elevated, Havana National Bank (#3677) snapshot October 20, 2026.
Havana National Bank (#3677) stress score moved from 60.5 on June 22, 2026 to 53.3 on October 20, 2026; Havana National Bank (#3677) ranged 53.3 to 60.5 over 117 snapshots.
Havana National Bank (#3677) alerts: 4 counties; top Havana National Bank (#3677) alert scores: Green Valley County, IL 21 (low); Lewistown County, IL 21 (low); San Jose County, IL 21 (low); Virginia County, IL 21 (low).