BlastPoint's Banking Scorecard
First National Bank in Olney
Olney, IL
6 branches across IL
First National Bank in Olney has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Efficiency Ratio 4.79% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 38.1% in tier
- - Net Interest Margin 0.67% below tier average
- - Delinquency Rate 0.60% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$475.5M
+2.2% YoY
+4.5% QoQ
|
+$89.5M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$229.9M
-7.1% YoY
-6.1% QoQ
|
-$25.8M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$421.6M
+1.5% YoY
+4.3% QoQ
|
+$93.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.38%
+67.3% YoY
+56.7% QoQ
|
+0.11% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
3.26%
+2.7% YoY
-2.2% QoQ
|
-0.67% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
60.49%
-4.4% YoY
-0.3% QoQ
|
-4.79% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
1.48%
+253.3% YoY
+35.1% QoQ
|
+0.60% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
54.54%
-8.5% YoY
-9.9% QoQ
|
-22.10% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 13.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.50%
+2.2% YoY
+1.3% QoQ
|
-1.52% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.72%
+220.9% YoY
+18.3% QoQ
|
+0.08% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
10.83%
+2.5% YoY
-0.6% QoQ
|
-5.00% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.11%
+5.4% YoY
-76.7% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
55% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.