BlastPoint's Banking Scorecard

FNBC Bank & Trust

$100M-$1B Specialty: Commercial IL FDIC cert 11306

La Grange, IL

3 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

FNBC Bank & Trust has 1 strength but faces 6 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

+ Credit Quality Leader: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.3% in tier
- Credit Risk Growth: Bottom 26.8% in tier
- Flatlined Growth: Bottom 41.6% in tier
- ROA 0.46% below tier average
- Net Interest Margin 0.72% below tier average
- Efficiency Ratio 6.34% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$580.4M +1.8% YoY -2.9% QoQ	+$194.3M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$315.1M +7.6% YoY +1.4% QoQ	+$59.4M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$523.0M +1.0% YoY -3.1% QoQ	+$195.0M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	0.81% +33.1% YoY -1.4% QoQ	-0.46%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	27%
Net Interest Margin ?	3.21% +15.3% YoY +10.7% QoQ	-0.72%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	18%
Efficiency Ratio ?	71.63% -8.0% YoY -2.0% QoQ	+6.34%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	29%
Delinquency Rate ?	0.04%	-0.85%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	60.25% +6.6% YoY +4.6% QoQ	-16.38%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	31.61% -3.5% YoY +0.2% QoQ	+9.59%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 14.4% in tier
Nonperforming Asset Ratio ?	0.02%	-0.62%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	18.48% -0.0% YoY -0.5% QoQ	+2.65%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.25% +7.8% YoY -73.0% QoQ	-0.03%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 8.8% in tier

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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 (1)

Credit Quality Leader

growth

#51 of 664 • Top 7.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#96 of 1308 • Bottom 7.3% in tier

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

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Credit Risk Growth

risk

#262 of 973 • Bottom 26.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Flatlined Growth

risk

#214 of 512 • Bottom 41.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.81%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (8 metrics)

236

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#236 of 2664 Top 8.8% in $100M-$1B

385

Non-Interest-Bearing Deposit Share

funding

Value: 31.61%

Peer Median: 22.02%

#385 of 2664 Top 14.4% in $100M-$1B

452

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#452 of 2664 Top 16.9% in $100M-$1B

472

Tier 1 Capital Ratio

capital

Value: 18.48%

Peer Median: 15.83%

#472 of 2664 Top 17.7% in $100M-$1B

490

Total Deposits

size

Value: $523.01M

Peer Median: $327.97M

#490 of 2664 Top 18.4% in $100M-$1B

498

Loan-to-Deposit Ratio

liquidity

Value: 60.25%

Peer Median: 76.64%

#498 of 2664 Top 18.7% in $100M-$1B

501

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#501 of 2654 Top 18.8% in $100M-$1B

564

Total Assets

size

Value: $580.36M

Peer Median: $386.08M

#564 of 2664 Top 21.1% in $100M-$1B

Top Weaknesses (1 metrics)

2190

Net Interest Margin

profitability

Value: 3.21%

Peer Median: 3.93%

#2190 of 2664 Bottom 17.8% in $100M-$1B