What are the current interest rates at First National Bank of Pana?

Current rates for First National Bank of Pana include:

First National Bank of Pana Rates and Review February 2026

Content reviewed by

Brian McKay

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First National Bank of Pana Deposit Rates

You can compare First National Bank of Pana rates to other rates in our database, including 12-month CD rates currently at 3.40%, 6-month CD rates at 3.56% and 3-month CD rates at 2.78%. Savings rates are at 0.20% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 5.75%. All these rates, and more, can be found in our database of rates which you can compare to First National Bank of Pana rates.

Rate Updates and Availability

First National Bank of Pana money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank of Pana? Share your experience about First National Bank of Pana by leaving a review below, or read customer reviews before you decide to use First National Bank of Pana.

First National Bank of Pana Texas Ratio

First National Bank of Pana's Texas Ratio is at 1.73%, which is considered excellent. The Texas Ratio for First National Bank of Pana is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

First National Bank of Pana has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Overall, First National Bank of Pana is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

First National Bank of Pana

306 S Locust St
Pana, IL 62557

https://www.fnbquality.bank

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Current Rate Availability

We do not have First National Bank of Pana rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank of Pana is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First National Bank of Pana rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First National Bank of Pana's official website for the most current offers and terms.

Bank Profile & Overview

First National Bank of Pana

306 S Locust St
Pana, IL 62557
Christian
Established Date: 01/01/1930
FDIC Certificate #: 3720
Date of FDIC Deposit Insurance: 01/01/1934

How Many Domestic U.S. Offices? 6

How Many Branches are There? 6

Website: https://www.fnbquality.bank

Is First National Bank of Pana FDIC Insured? Yes

What is First National Bank of Pana's Cert number? 3720

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$309,357,000

Total Deposits:

$275,742,000

Equity Capital:

$31,907,000

Net Income:

$1,315,000

Return on Assets (ROA):

1.8390%

Return on Equity (ROE):

18.8200%

Headquarters:

Pana

Regulator:

OCC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

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Frequently Asked Questions About First National Bank of Pana

How do I open an account at First National Bank of Pana?

You can typically open an account at First National Bank of Pana by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, First National Bank of Pana provides a range of mortgage and home equity products.

Is First National Bank of Pana a safe place to deposit money?

Yes, First National Bank of Pana is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.