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Overview / Commentary
105 Southwest Church Street
Atlanta, IL 61723

The Atlanta National Bank is headquartered in Atlanta and is the 417st largest bank in the state of Illinois. It is also the 5,639th largest bank in the nation. It was established in 1887 and as of March of 2014, it had grown to 16 employees at 2 locations. The Atlanta National Bank has a B+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The Atlanta National Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Atlanta National Bank had $2,000 in non-current loans and owned real-estate with $7 million in equity and loan loss allowances on hand to cover it. This gives The Atlanta National Bank a Texas Ratio of 0.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Atlanta National Bank decreased dramatically from 0.17% as of March 31, 2013 to 0.03% as of March 31, 2014, resulting in a positive change of 82.91%.This indicates that the balance sheet and financial strength for The Atlanta National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, The Atlanta National Bank has decreased its total deposits by $-76,000, resulting in -0.15% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Atlanta National Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Atlanta National Bank has $63.11 million in assets with $7 million in equity, resulting in a capitalization level of 11.09%, which is excellent.

Institution Statistics

FDIC Certificate #3601
Year Established1887
Primary RegulatorOCC
Assets and Liabilities
Assets$63.11 million
Loans$14.24 million
Deposits$52.29 million
Equity Capital$6.89 million
Loan Loss Allowance$116,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Historic Data - March 2013
Assets$65.08 million
Equity Capital$7.06 million
Loan Loss Allowance$115,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.43%
Return on Assets0.47%
Return on Equity4.36%
Interest Income$455,000

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The Atlanta National Bank Locations
The Atlanta National Bank105 Southwest Church StreetAtlanta, IL 61723
Mclean Banking Center BranchFranklin and Hamilton StreetsMclean, IL 61754