Anna Jonesboro National Bank
Anna, Illinois · FDIC Cert #3759
Anna Jonesboro National Bank is an FDIC-insured bank (Certificate #3759) with $239M in total assets and $203M in total deposits as of the Q2 2024 Call Report. Headquartered in Anna, Illinois, the bank maintains a Tier 1 capital ratio of 30.39% (Well-Capitalized) and a nonperforming loan ratio of 4.25%. BankHealthData assigns a composite Health Grade of B (71/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Anna Jonesboro National Bank (FDIC cert 3759) is a community bank — $239M in total assets, $203M in deposits, serving the Anna, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 30.39% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 4.25% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 56.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.21% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Anna Jonesboro National Bank carries a composite BankHealth grade of B (71/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Anna Jonesboro National Bank
- Total Assets
- $239M
- Total Deposits
- $203M
- Tier 1 Capital Ratio
- 30.39%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 4.25%
- Liquidity Ratio
- 56.39%
- Return on Assets
- 1.21%
- Headquarters
- Anna, Illinois
- FDIC Certificate
- #3759
- Health Grade
- B (71/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Anna Jonesboro National Bank holds a Tier 1 capital ratio of 30.39%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Anna Jonesboro National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Anna Jonesboro National Bank shows strong financial health indicators. With $239M in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Anna Jonesboro National Bank Compares
Anna Jonesboro National Bank’s Health Score of 71 is 1 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 30.39% Tier 1 capital ratio is 16.4 points above the US banking industry average near 14%. The 4.25% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.21% is in line with or above the national ROA benchmark of ~1.1%. Among 1565 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Anna Jonesboro National Bank is 1 points above the portfolio average of 70.
Frequently Asked Questions
Anna Jonesboro National Bank has a Bank Health Score of B (71/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 30.39%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Anna Jonesboro National Bank's Tier 1 capital ratio of 30.39% and nonperforming loan ratio of 4.25% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Anna Jonesboro National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3759). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Anna Jonesboro National Bank holds $239M in total assets and $203M in total deposits. It is headquartered in Anna, Illinois (FDIC Certificate #3759).
Anna Jonesboro National Bank has a Tier 1 capital ratio of 30.39%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 4.25%, and the return on assets is 1.21%.
Yes. Anna Jonesboro National Bank is FDIC-insured (Certificate #3759). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Anna Jonesboro National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.