BlastPoint's Banking Scorecard

The Granville National Bank

$100M-$1B Specialty: Other IL FDIC cert 13983

Granville, IL

2 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 +3.4% year over year ($105.1M on the books).
Delinquency rate 2.24%.
Return on assets 1.17%.
Efficiency ratio 54.58% vs a 64.48% peer average.
Loan-to-deposit ratio 50.79% 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 Granville National Bank 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 9.90% below tier average

Key Concerns

Areas that may need attention

- ROA 0.15% below tier average
- Net Interest Margin 0.64% below tier average
- Delinquency Rate 1.32% above tier average

Get updates when The Granville National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$118.4M +4.1% YoY +0.1% QoQ	-$268.2M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 5.1% in tier
Total Loans ?	$53.4M +4.4% YoY +0.7% QoQ	-$204.9M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 3.4% in tier
Total Deposits ?	$105.1M +3.4% YoY -0.1% QoQ	-$221.6M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 7.0% in tier
Return on Assets ?	1.17% +52.6% YoY +15.2% QoQ	-0.15%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	45%
Net Interest Margin ?	3.35% +12.4% YoY +2.4% QoQ	-0.64%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	54.58% -15.4% YoY -7.3% QoQ	-9.90%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	2.24% +598.9% YoY +371.6% QoQ	+1.32%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 10.8% in tier
Loan-to-Deposit Ratio ?	50.79% +1.0% YoY +0.8% QoQ	-27.16%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 8.7% in tier
Non-Interest-Bearing Deposit Share ?	18.58% -5.6% YoY -2.0% QoQ	-3.45%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	38%
Nonperforming Asset Ratio ?	1.01% +601.1% YoY +374.5% QoQ	+0.34%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	11.10% +2.7% YoY +1.3% QoQ	-4.81%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.11% +30.6% YoY +171.7% QoQ	-0.45%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	24%

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	18.6% -1.1pp YoY -0.4pp QoQ	-3.6pp	22.1%	20.1%	22.2%	38%
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	17.0% +2.4pp YoY +1.1pp QoQ	+5.5pp	11.6%	14.7%	12.5%	82%
CRE	16.6% +1.0pp YoY +0.8pp QoQ	-23.0pp	39.5%	37.9%	41.4%	12%
1-4 Family	45.3% -1.8pp YoY -0.6pp QoQ	+12.7pp	32.6%	28.3%	31.3%	77%
Consumer	12.2% +0.2pp YoY +0.1pp QoQ	+8.1pp	4.1%	5.4%	5.0%	94%

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	11.1% +0.3pp YoY +0.1pp QoQ	-1.1pp	12.2%	12.2%	12.6%	52%
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	16 0 YoY 0 QoQ	-43	58	228	482	5%
Assets per Employee ($)	$7.4M +4.1% YoY +0.1% QoQ	-$121K	$7.5M	$8.3M	$8.8M	59%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.4%	0.4%	12%
Nonaccrual	2.2% +2.0pp YoY +1.8pp QoQ	+1.3pp	0.9%	1.1%	1.0%	89%
Allowance Coverage	0.60x -85.3% YoY -78.7% QoQ	-23.55x	24.15x	5.62x	20.23x	14%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	11.1% +3.0pp YoY +1.4pp QoQ	-1.1pp	12.2%	10.5%	11.6%	43%
Cost of Funds (YTD)	1.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.6%	1.7%	12%
Net Income ($, YTD)	$691,000 +58.9% YoY — QoQ	-$1.9M	$2.6M	$11.7M	$40.4M	16%

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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 (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).

Compare against:

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

Top Strengths (1 metrics)

232

Loan-to-Deposit Ratio

liquidity

Value: 50.79%

Peer Median: 77.95%

#232 of 2643 Top 8.7% in $100M-$1B

Top Weaknesses (8 metrics)

2554

Total Loans

size

Value: $53.40M

Peer Median: $258.35M

#2554 of 2643 Bottom 3.4% in $100M-$1B

2509

Total Assets

size

Value: $118.35M

Peer Median: $386.57M

#2509 of 2643 Bottom 5.1% in $100M-$1B

2459

Total Deposits

size

Value: $105.13M

Peer Median: $326.73M

#2459 of 2643 Bottom 7.0% in $100M-$1B

2350

Delinquency Rate

credit_quality

Value: 2.24%

Peer Median: 0.92%

#2350 of 2633 Bottom 10.8% in $100M-$1B

2111

Nonperforming Asset Ratio

credit_quality

Value: 1.01%

Peer Median: 0.67%

#2111 of 2643 Bottom 20.2% in $100M-$1B

2075

Net Interest Margin

profitability

Value: 3.35%

Peer Median: 3.99%

#2075 of 2643 Bottom 21.5% in $100M-$1B

2018

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2018 of 2643 Bottom 23.7% in $100M-$1B

1995

Tier 1 Capital Ratio

capital

Value: 11.10%

Peer Median: 15.91%

#1995 of 2643 Bottom 24.6% in $100M-$1B