BlastPoint's Banking Scorecard

First National Bank of Steeleville

$100M-$1B Specialty: Other IL FDIC cert 1049

Steeleville, IL

3 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits -1.2% year over year ($229.0M on the books).
Delinquency rate 0.44%.
Return on assets 1.92%.
Efficiency ratio 50.94% vs a 64.48% peer average.
Loan-to-deposit ratio 47.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

First National Bank of Steeleville has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.60% above tier average
+ Efficiency Ratio 13.54% below tier average
+ Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 28.0% in tier
- Net Interest Margin 0.31% below tier average

Get updates when First National Bank of Steeleville releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$274.5M +0.1% YoY -1.8% QoQ	-$112.0M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	41%
Total Loans ?	$109.4M -2.2% YoY -3.1% QoQ	-$148.9M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	22%
Total Deposits ?	$229.0M -1.2% YoY -2.7% QoQ	-$97.7M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	41%
Return on Assets ?	1.92% +0.2% YoY +5.6% QoQ	+0.60%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	85%
Net Interest Margin ?	3.67% +3.9% YoY +1.6% QoQ	-0.31%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	50.94% +0.3% YoY -2.3% QoQ	-13.54%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	81%
Delinquency Rate ?	0.44% +31.8% YoY -24.4% QoQ	-0.48%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	47.79% -1.1% YoY -0.4% QoQ	-30.17%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 7.3% in tier
Non-Interest-Bearing Deposit Share ?	13.44% +10.0% YoY -0.9% QoQ	-8.59%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	0.18% +12.5% YoY -25.4% QoQ	-0.49%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	63%
Tier 1 Capital Ratio ?	24.43% +4.9% YoY +0.9% QoQ	+8.52%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 7.4% in tier
Non-Interest Income / Assets ?	0.27% -17.5% YoY +131.8% QoQ	-0.29%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	67%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	13.4% +1.2pp YoY -0.1pp QoQ	-8.7pp	22.1%	20.1%	22.2%	18%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	22.8% -2.6pp YoY -0.7pp QoQ	+11.2pp	11.6%	14.7%	12.5%	91%
CRE	15.8% -0.9pp YoY -0.2pp QoQ	-23.7pp	39.5%	37.9%	41.4%	12%
1-4 Family	39.6% +2.8pp YoY +0.8pp QoQ	+6.9pp	32.6%	28.3%	31.3%	69%
Consumer	11.4% +0.6pp YoY 0.0pp QoQ	+7.3pp	4.1%	5.4%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	24.4% +1.1pp YoY +0.2pp QoQ	+5.6pp	18.8%	19.9%	19.7%	88%
Leverage Ratio	13.5% 0.0pp YoY +0.3pp QoQ	+1.4pp	12.2%	12.2%	12.6%	79%
Total Capital Ratio	25.3% +1.2pp YoY +0.2pp QoQ	+5.3pp	19.9%	20.9%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	35 +1 (+2.9%) YoY +1 (+2.9%) QoQ	-24	58	228	482	35%
Assets per Employee ($)	$7.8M -2.8% YoY -4.6% QoQ	+$325K	$7.5M	$8.3M	$8.8M	66%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY -0.2pp QoQ	-0.2pp	0.3%	0.4%	0.4%	47%
Nonaccrual	0.4% +0.1pp YoY 0.0pp QoQ	-0.6pp	0.9%	1.1%	1.0%	43%
Allowance Coverage	2.46x -23.4% YoY +34.6% QoQ	-21.70x	24.15x	5.62x	20.23x	53%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	17.4% -1.4pp YoY +0.6pp QoQ	+5.2pp	12.2%	10.5%	11.6%	79%
Cost of Funds (YTD)	1.3% -0.1pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	25%
Net Income ($, YTD)	$2.7M +3.6% YoY — QoQ	+$105K	$2.6M	$11.7M	$40.4M	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#352 of 1256 • Bottom 28.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.44%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

194

Loan-to-Deposit Ratio

liquidity

Value: 47.79%

Peer Median: 77.95%

#194 of 2643 Top 7.3% in $100M-$1B

197

Tier 1 Capital Ratio

capital

Value: 24.43%

Peer Median: 15.91%

#197 of 2643 Top 7.4% in $100M-$1B

409

Return on Assets

profitability

Value: 1.92%

Peer Median: 1.32%

#409 of 2643 Top 15.4% in $100M-$1B

496

Efficiency Ratio

profitability

Value: 50.94%

Peer Median: 64.48%

#496 of 2643 Top 18.7% in $100M-$1B

Top Weaknesses (2 metrics)

2145

Non-Interest-Bearing Deposit Share

funding

Value: 13.44%

Peer Median: 22.03%

#2145 of 2643 Bottom 18.9% in $100M-$1B

2059

Total Loans

size

Value: $109.43M

Peer Median: $258.35M

#2059 of 2643 Bottom 22.1% in $100M-$1B