BlastPoint

BlastPoint's Banking Scorecard

The First National Bank of Allendale

$100M-$1B Specialty: Agricultural IL FDIC cert 12365

Allendale, 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 +7.4% year over year ($369.1M on the books).
  • Delinquency rate 0.17%.
  • Return on assets 1.11%.
  • Efficiency ratio 57.47% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.57% 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) →

The First National Bank of Allendale has 2 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

  • + Efficiency Ratio 7.01% below tier average
  • + Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.21% below tier average
  • - Net Interest Margin 0.35% below tier average
Get updates when The First National Bank of Allendale releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $421.2M
+7.5% YoY -2.4% QoQ
+$34.7M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
64%
Total Loans ? $279.0M
+5.3% YoY +2.7% QoQ
+$20.6M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $369.1M
+7.4% YoY -2.8% QoQ
+$42.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 1.11%
+19.6% YoY +7.0% QoQ
-0.21% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 3.64%
+3.4% YoY +3.1% QoQ
-0.35% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
34%
Efficiency Ratio ? 57.47%
-4.6% YoY -2.1% QoQ
-7.01% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.17%
-72.0% YoY -41.6% QoQ
-0.75% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 75.57%
-1.9% YoY +5.7% QoQ
-2.38% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 18.35%
-1.2% YoY +1.2% QoQ
-3.68% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 0.11%
-72.5% YoY -38.5% QoQ
-0.55% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 9.80%
+0.7% YoY +4.1% QoQ
-6.11% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 8.1% in tier
Non-Interest Income / Assets ? 0.19%
+8.8% YoY +118.6% QoQ
-0.38% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
47%

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 18.3%
-0.2pp YoY
+0.2pp QoQ
 -3.8pp 22.1% 20.1% 22.2% 37%
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 14.1%
-1.0pp YoY
+0.5pp QoQ
 +2.5pp 11.6% 14.7% 12.5% 72%
CRE 14.6%
+1.4pp YoY
+0.2pp QoQ
 -24.9pp 39.5% 37.9% 41.4% 10%
1-4 Family 24.8%
-0.9pp YoY
+0.4pp QoQ
 -7.8pp 32.6% 28.3% 31.3% 40%
Consumer 6.7%
-0.7pp YoY
-0.1pp QoQ
 +2.6pp 4.1% 5.4% 5.0% 85%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 9.8%
+0.1pp YoY
+0.4pp QoQ
 -2.4pp 12.2% 12.2% 12.6% 27%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 53
+1 (+1.9%) YoY
0 QoQ
 -6 58 228 482 56%
Assets per Employee ($) $7.9M
+5.5% YoY
-2.4% QoQ
 +$429K $7.5M $8.3M $8.8M 67%
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 0.2%
-0.4pp YoY
-0.1pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 27%
Allowance Coverage 5.62x
+305.5% YoY
+71.4% QoQ
 -18.53x 24.15x 5.62x 20.23x 72%
Net Charge-off Rate (YTD) 0.0%
-0.8pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 12.6%
+1.5pp YoY
+0.6pp QoQ
 +0.4pp 12.2% 10.5% 11.6% 53%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 62%
Net Income ($, YTD) $2.4M
+31.3% YoY
— QoQ
 -$174K $2.6M $11.7M $40.4M 60%

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 (0)

No matched concern signatures this quarter

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

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2431
Tier 1 Capital Ratio
capital
Value: 9.80%
Peer Median: 15.91%
#2431 of 2643 Bottom 8.1% in $100M-$1B
Powered by BlastPoint © 2026