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First National Bank in Pinckneyville

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

Pinckneyville, IL

2664 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 1 concern

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 3.36% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 1.06% above tier average
Get updates when First National Bank in Pinckneyville releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $139.3M
+2.3% YoY +1.1% QoQ
-$246.8M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
Bottom 10.8% in tier
Total Loans ? $65.4M
+14.8% YoY +1.6% QoQ
-$190.3M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
Bottom 6.1% in tier
Total Deposits ? $125.4M
-0.5% YoY +0.9% QoQ
-$202.6M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
Bottom 13.6% in tier
Return on Assets ? 1.28%
+14.1% YoY -52.7% QoQ
+0.01% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
55%
Net Interest Margin ? 3.96%
+5.4% YoY -1.1% QoQ
+0.03% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
55%
Efficiency Ratio ? 61.92%
-3.9% YoY +37.4% QoQ
-3.36% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
54%
Delinquency Rate ? 1.95%
+31.0% YoY +7.1% QoQ
+1.06% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
Bottom 13.1% in tier
Loan-to-Deposit Ratio ? 52.14%
+15.3% YoY +0.7% QoQ
-24.50% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
Top 11.1% in tier
Non-Interest-Bearing Deposit Share ? 22.80%
+15.4% YoY +7.1% QoQ
+0.78% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
58%
Nonperforming Asset Ratio ? 0.91%
+47.0% YoY +7.6% QoQ
+0.28% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
22%
Tier 1 Capital Ratio ? 21.82%
-6.3% YoY -0.8% QoQ
+5.99% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
Top 10.3% in tier
Non-Interest Income / Assets ? 0.08%
+2.5% YoY -95.7% QoQ
-0.20% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
38%

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

276
Tier 1 Capital Ratio
capital
Value: 21.82%
Peer Median: 15.83%
#276 of 2664 Top 10.3% in $100M-$1B
297
Loan-to-Deposit Ratio
liquidity
Value: 52.14%
Peer Median: 76.64%
#297 of 2664 Top 11.1% in $100M-$1B

Top Weaknesses (5 metrics)

2502
Total Loans
size
Value: $65.38M
Peer Median: $255.72M
#2502 of 2664 Bottom 6.1% in $100M-$1B
2376
Total Assets
size
Value: $139.25M
Peer Median: $386.08M
#2376 of 2664 Bottom 10.8% in $100M-$1B
2307
Delinquency Rate
credit_quality
Value: 1.95%
Peer Median: 0.89%
#2307 of 2654 Bottom 13.1% in $100M-$1B
2302
Total Deposits
size
Value: $125.40M
Peer Median: $327.97M
#2302 of 2664 Bottom 13.6% in $100M-$1B
2080
Nonperforming Asset Ratio
credit_quality
Value: 0.91%
Peer Median: 0.64%
#2080 of 2664 Bottom 22.0% in $100M-$1B
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