BlastPoint's Banking Scorecard

FNBC Bank & Trust

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

La Grange, 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 +1.5% year over year ($525.1M on the books).
Delinquency rate 0.04%.
Return on assets 1.18%.
Efficiency ratio 66.87% vs a 64.48% peer average.
Loan-to-deposit ratio 61.80% 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) →

FNBC Bank & Trust has 2 strengths but faces 5 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 5.9% in tier
+ Revenue Diversifier: Top 39.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.6% in tier
- Credit Risk Growth: Bottom 43.2% in tier
- ROA 0.15% below tier average
- Net Interest Margin 0.66% below tier average
- Efficiency Ratio 2.39% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$581.6M +1.6% YoY +0.2% QoQ	+$195.0M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$324.5M +10.6% YoY +3.0% QoQ	+$66.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	71%
Total Deposits ?	$525.1M +1.5% YoY +0.4% QoQ	+$198.4M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	82%
Return on Assets ?	1.18% +95.5% YoY +45.0% QoQ	-0.15%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	3.33% +19.6% YoY +3.6% QoQ	-0.66%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	66.87% -14.1% YoY -6.6% QoQ	+2.39%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	0.04% -2.9% QoQ	-0.88%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	61.80% +9.0% YoY +2.6% QoQ	-16.15%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	81%
Non-Interest-Bearing Deposit Share ?	32.15% -4.9% YoY +1.7% QoQ	+10.12%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Top 14.1% in tier
Nonperforming Asset Ratio ?	0.02% -0.2% QoQ	-0.65%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	17.63% -5.3% YoY -4.6% QoQ	+1.72%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.62% +32.7% YoY +143.5% QoQ	+0.05%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 6.5% in tier

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	32.1% -1.7pp YoY +0.5pp QoQ	+10.0pp	22.1%	20.1%	22.2%	86%
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	1.8% +0.1pp YoY -0.1pp QoQ	-9.8pp	11.6%	14.7%	12.5%	6%
CRE	62.2% +0.9pp YoY +0.7pp QoQ	+22.7pp	39.5%	37.9%	41.4%	87%
1-4 Family	36.8% -1.3pp YoY -0.6pp QoQ	+4.1pp	32.6%	28.3%	31.3%	65%
Consumer	0.3% +0.1pp YoY +0.1pp QoQ	-3.8pp	4.1%	5.4%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	17.6% -1.0pp YoY -0.9pp QoQ	-1.2pp	18.8%	19.9%	19.7%	68%
Leverage Ratio	10.0% +0.1pp YoY 0.0pp QoQ	-2.1pp	12.2%	12.2%	12.6%	32%
Total Capital Ratio	18.8% -1.0pp YoY -0.8pp QoQ	-1.1pp	19.9%	20.9%	20.8%	67%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	79 +2 (+2.6%) YoY +1 (+1.3%) QoQ	+20	58	228	482	76%
Assets per Employee ($)	$7.4M -0.9% YoY -1.1% QoQ	-$156K	$7.5M	$8.3M	$8.8M	58%
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	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.0% 0.0pp QoQ	-0.9pp	0.9%	1.1%	1.0%	9%
Allowance Coverage	30.42x +4.4% QoQ	+6.27x	24.15x	5.62x	20.23x	91%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	12.6% +5.7pp YoY +3.9pp QoQ	+0.4pp	12.2%	10.5%	11.6%	54%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.6%	1.7%	10%
Net Income ($, YTD)	$3.4M +100.2% YoY — QoQ	+$892K	$2.6M	$11.7M	$40.4M	75%

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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 (2)

Credit Quality Leader

growth

#40 of 659 • Top 5.9% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#261 of 661 • Top 39.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.62%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.18%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#96 of 1256 • Bottom 7.6% 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: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#405 of 936 • Bottom 43.2% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

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 (8 metrics)

174

Non-Interest Income / Assets

revenue_mix

Value: 0.62%

Peer Median: 0.57%

#174 of 2643 Top 6.5% in $100M-$1B

374

Non-Interest-Bearing Deposit Share

funding

Value: 32.15%

Peer Median: 22.03%

#374 of 2643 Top 14.1% in $100M-$1B

431

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#431 of 2643 Top 16.3% in $100M-$1B

466

Total Deposits

size

Value: $525.12M

Peer Median: $326.73M

#466 of 2643 Top 17.6% in $100M-$1B

496

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.92%

#496 of 2633 Top 18.8% in $100M-$1B

512

Loan-to-Deposit Ratio

liquidity

Value: 61.80%

Peer Median: 77.95%

#512 of 2643 Top 19.3% in $100M-$1B

538

Tier 1 Capital Ratio

capital

Value: 17.63%

Peer Median: 15.91%

#538 of 2643 Top 20.3% in $100M-$1B

554

Total Assets

size

Value: $581.58M

Peer Median: $386.57M

#554 of 2643 Top 20.9% in $100M-$1B

Top Weaknesses (1 metrics)

2099

Net Interest Margin

profitability

Value: 3.33%

Peer Median: 3.99%

#2099 of 2643 Bottom 20.6% in $100M-$1B