BlastPoint's Banking Scorecard

First National Bank in Pinckneyville

$100M-$1B Specialty: Other IL FDIC cert 13813

Pinckneyville, 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 -1.0% year over year ($124.5M on the books).
Delinquency rate 2.03%.
Return on assets 1.21%.
Efficiency ratio 61.65% vs a 64.48% peer average.
Loan-to-deposit ratio 55.57% 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) →

First National Bank in Pinckneyville has 1 strength but faces 3 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 2.83% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 5.9% in tier
- Cost Spiral: Bottom 65.2% in tier
- Delinquency Rate 1.11% above tier average

Get updates when First National Bank in Pinckneyville releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$138.4M +1.0% YoY -0.6% QoQ	-$248.2M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 10.7% in tier
Total Loans ?	$69.2M +15.2% YoY +5.8% QoQ	-$189.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 7.1% in tier
Total Deposits ?	$124.5M -1.0% YoY -0.7% QoQ	-$202.2M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 13.5% in tier
Return on Assets ?	1.21% -71.5% YoY -5.3% QoQ	-0.11%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	48%
Net Interest Margin ?	4.04% +3.5% YoY +1.8% QoQ	+0.05%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	55%
Efficiency Ratio ?	61.65% +73.2% YoY -0.4% QoQ	-2.83%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	52%
Delinquency Rate ?	2.03% +14.7% YoY +4.5% QoQ	+1.11%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 12.6% in tier
Loan-to-Deposit Ratio ?	55.57% +16.4% YoY +6.6% QoQ	-22.38%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 13.0% in tier
Non-Interest-Bearing Deposit Share ?	22.11% +14.7% YoY -3.0% QoQ	+0.08%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	1.02% +30.8% YoY +11.2% QoQ	+0.35%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	22.01% -13.2% YoY +0.9% QoQ	+6.10%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 10.4% in tier
Non-Interest Income / Assets ?	0.16% -90.7% YoY +100.3% QoQ	-0.41%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	37%

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	22.1% +2.8pp YoY -0.7pp QoQ	0.0pp	22.1%	20.1%	22.2%	55%
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	1.2% -0.8pp YoY -0.4pp QoQ	-10.4pp	11.6%	14.7%	12.5%	4%
CRE	19.6% +0.1pp YoY +0.8pp QoQ	-20.0pp	39.5%	37.9%	41.4%	17%
1-4 Family	68.1% +0.5pp YoY -0.8pp QoQ	+35.5pp	32.6%	28.3%	31.3%	94%
Consumer	8.3% -1.0pp YoY -0.5pp QoQ	+4.2pp	4.1%	5.4%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	22.0% -3.3pp YoY +0.2pp QoQ	+3.2pp	18.8%	19.9%	19.7%	83%
Leverage Ratio	11.8% -0.8pp YoY +0.3pp QoQ	-0.4pp	12.2%	12.2%	12.6%	62%
Total Capital Ratio	22.9% -3.3pp YoY +0.2pp QoQ	+3.0pp	19.9%	20.9%	20.8%	82%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	23 +1 (+4.5%) YoY 0 QoQ	-36	58	228	482	15%
Assets per Employee ($)	$6.0M -3.4% YoY -0.6% QoQ	-$1.5M	$7.5M	$8.3M	$8.8M	34%
Branch Count	1 0 YoY 0 QoQ	-4	4	10	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY -0.2pp QoQ	-0.2pp	0.3%	0.4%	0.4%	52%
Nonaccrual	1.9% +0.2pp YoY +0.3pp QoQ	+1.0pp	0.9%	1.1%	1.0%	86%
Allowance Coverage	0.48x -7.0% YoY -2.7% QoQ	-23.68x	24.15x	5.62x	20.23x	9%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	15.1% -47.9pp YoY -1.1pp QoQ	+2.9pp	12.2%	10.5%	11.6%	68%
Cost of Funds (YTD)	0.8% 0.0pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.6%	1.7%	6%
Net Income ($, YTD)	$841,000 -71.2% YoY — QoQ	-$1.7M	$2.6M	$11.7M	$40.4M	21%

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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 (2)

Margin Compression

decline

#19 of 307 • Bottom 5.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.21%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

Cost Spiral

risk

#91 of 138 • Bottom 65.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 61.65%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

275

Tier 1 Capital Ratio

capital

Value: 22.01%

Peer Median: 15.91%

#275 of 2643 Top 10.4% in $100M-$1B

345

Loan-to-Deposit Ratio

liquidity

Value: 55.57%

Peer Median: 77.95%

#345 of 2643 Top 13.0% in $100M-$1B

Top Weaknesses (5 metrics)

2456

Total Loans

size

Value: $69.18M

Peer Median: $258.35M

#2456 of 2643 Bottom 7.1% in $100M-$1B

2361

Total Assets

size

Value: $138.39M

Peer Median: $386.57M

#2361 of 2643 Bottom 10.7% in $100M-$1B

2301

Delinquency Rate

credit_quality

Value: 2.03%

Peer Median: 0.92%

#2301 of 2633 Bottom 12.6% in $100M-$1B

2287

Total Deposits

size

Value: $124.50M

Peer Median: $326.73M

#2287 of 2643 Bottom 13.5% in $100M-$1B

2115

Nonperforming Asset Ratio

credit_quality

Value: 1.02%

Peer Median: 0.67%

#2115 of 2643 Bottom 20.0% in $100M-$1B