Most important, the bank has been able to maintain a solid capital position (without borrowing at the holding-company level) and return a nice semi-annual dividend to its loyal shareholders.
Now operating from five counties in a 30-mile radius around Havana, the bank’s goal is to remain an independent community bank well into the foreseeable future.
Those two banks failed during the Great Depression.
As a matter of fact, The Havana National Bank was one of the two banks in Mason County to survive the Great Depression.
Havana National Bank, established in 1875, is a locally owned agricultural bank situated along the Illinois River in Havana, Illinois.
There were 1,467 households out of which 28.9% had children under the age of 18 living with them, 49.8% were married couples living together, 12.5% had a female householder with no husband present, and 33.1% were non-families.
During that period, the bank added branches in San Jose and Green Valley (2005), Manito (2006), HNB Financial Center (brokerage and insurance — 2008), and in 2015 another branch addition in Virginia.
The bank’s assets were ,158,208 going into 2000 and were approximately 5 million at December 31, 2015, for growth of 3.8 million or an annual growth rate of 9.2 percent.
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It is located near the Chautauqua National Wildlife Refuge, and a short distance from Bath, Illinois.