BlastPoint's Banking Scorecard
First National Bank in Olney
Olney, IL
6 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 +1.9% year over year ($415.4M on the books).
- Delinquency rate 1.62%.
- Return on assets 1.20%.
- Efficiency ratio 60.14% vs a 64.48% peer average.
- Loan-to-deposit ratio 54.93% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank in Olney has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.34% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 40.1% in tier
- - ROA 0.12% below tier average
- - Net Interest Margin 0.59% below tier average
- - Delinquency Rate 0.70% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$469.3M
+2.4% YoY
-1.3% QoQ
|
+$82.7M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$228.2M
-8.8% YoY
-0.8% QoQ
|
-$30.1M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$415.4M
+1.9% YoY
-1.5% QoQ
|
+$88.7M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
1.20%
+46.2% YoY
-12.7% QoQ
|
-0.12% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
3.40%
+4.6% YoY
+4.3% QoQ
|
-0.59% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
60.14%
-2.7% YoY
-0.6% QoQ
|
-4.34% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
1.62%
+98.6% YoY
+9.3% QoQ
|
+0.70% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
54.93%
-10.5% YoY
+0.7% QoQ
|
-23.02% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 12.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.26%
-1.6% YoY
-1.1% QoQ
|
-1.77% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.79%
+76.3% YoY
+9.9% QoQ
|
+0.12% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
10.83%
+2.1% YoY
+0.0% QoQ
|
-5.07% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.21%
-4.8% YoY
+101.0% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
54% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
20.3%
-0.3pp YoY -0.2pp QoQ |
-1.9pp | 22.1% | 20.1% | 22.2% | 46% |
| 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 |
15.5%
-0.7pp YoY +0.9pp QoQ |
+3.9pp | 11.6% | 14.7% | 12.5% | 78% |
| CRE |
17.0%
+4.2pp YoY +0.2pp QoQ |
-22.6pp | 39.5% | 37.9% | 41.4% | 13% |
| 1-4 Family |
24.7%
+1.8pp YoY -0.1pp QoQ |
-7.9pp | 32.6% | 28.3% | 31.3% | 40% |
| Consumer |
3.5%
+0.1pp YoY +0.1pp QoQ |
-0.6pp | 4.1% | 5.4% | 5.0% | 66% |
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 |
10.8%
+0.2pp YoY 0.0pp QoQ |
-1.3pp | 12.2% | 12.2% | 12.6% | 47% |
| 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 |
71
+4 (+6.0%) YoY 0 QoQ |
+12 | 58 | 228 | 482 | 72% |
| Assets per Employee ($) |
$6.6M
-3.4% YoY -1.3% QoQ |
-$909K | $7.5M | $8.3M | $8.8M | 44% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 10 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.2% | -0.1pp | 0.3% | 0.4% | 0.4% | 67% |
| Nonaccrual |
1.4%
+0.6pp YoY -0.1pp QoQ |
+0.5pp | 0.9% | 1.1% | 1.0% | 80% |
| Allowance Coverage |
0.79x
-51.7% YoY -6.2% QoQ |
-23.36x | 24.15x | 5.62x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+3.2pp YoY -1.7pp QoQ |
-0.5pp | 12.2% | 10.5% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 48% |
| Net Income ($, YTD) |
$2.8M
+49.3% YoY — QoQ |
+$253K | $2.6M | $11.7M | $40.4M | 67% |
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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.