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The First National Bank in Amboy

$100M-$1B Specialty: Agricultural IL FDIC cert 14674

Amboy, IL

5 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 +7.6% year over year ($264.9M on the books).
  • Delinquency rate 0.04%.
  • Return on assets 1.01%.
  • Efficiency ratio 70.71% vs a 64.48% peer average.
  • Loan-to-deposit ratio 49.58% 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 First National Bank in Amboy has 1 strength but faces 5 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

  • + Credit Quality Leader: Top 4.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.8% in tier
  • - Credit Risk Growth: Bottom 32.5% in tier
  • - ROA 0.31% below tier average
  • - Net Interest Margin 0.60% below tier average
  • - Efficiency Ratio 6.23% above tier average
Get updates when The First National Bank in Amboy releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $324.5M
+6.0% YoY +1.0% QoQ
-$62.1M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $131.3M
+8.4% YoY +1.5% QoQ
-$127.0M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $264.9M
+7.6% YoY +1.6% QoQ
-$61.8M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 1.01%
+13.7% YoY -1.2% QoQ
-0.31% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 3.38%
+2.3% YoY +1.0% QoQ
-0.60% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 70.71%
-2.9% YoY -1.4% QoQ
+6.23% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 0.04%
+8.0% QoQ
-0.88% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
81%
Loan-to-Deposit Ratio ? 49.58%
+0.8% YoY -0.1% QoQ
-28.37% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 8.2% in tier
Non-Interest-Bearing Deposit Share ? 20.34%
-4.3% YoY -3.8% QoQ
-1.69% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 0.02%
+8.5% QoQ
-0.65% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
84%
Tier 1 Capital Ratio ? 10.67%
+1.7% YoY +0.2% QoQ
-5.24% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.20%
+8.8% YoY +100.1% QoQ
-0.36% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
51%

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%
-0.9pp YoY
-0.8pp QoQ
 -1.8pp 22.1% 20.1% 22.2% 47%
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 7.4%
-0.1pp YoY
+0.1pp QoQ
 -4.2pp 11.6% 14.7% 12.5% 35%
CRE 13.4%
+0.7pp YoY
-0.6pp QoQ
 -26.2pp 39.5% 37.9% 41.4% 9%
1-4 Family 26.8%
+1.4pp YoY
+0.2pp QoQ
 -5.9pp 32.6% 28.3% 31.3% 44%
Consumer 3.6%
-0.7pp YoY
+0.2pp 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 10.7%
+0.2pp YoY
0.0pp QoQ
 -1.5pp 12.2% 12.2% 12.6% 44%
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 56
+2 (+3.7%) YoY
-3 (-5.1%) QoQ
 -3 58 228 482 60%
Assets per Employee ($) $5.8M
+2.2% YoY
+6.5% QoQ
 -$1.7M $7.5M $8.3M $8.8M 29%
Branch Count 5
0 YoY
0 QoQ
 0 4 10 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0% -0.9pp 0.9% 1.1% 1.0% 10%
Allowance Coverage 42.82x
-8.6% QoQ
 +18.67x 24.15x 5.62x 20.23x 94%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 11.0%
+0.3pp YoY
-0.1pp QoQ
 -1.2pp 12.2% 10.5% 11.6% 43%
Cost of Funds (YTD) 1.4%
0.0pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 29%
Net Income ($, YTD) $1.6M
+21.7% YoY
— QoQ
 -$939K $2.6M $11.7M $40.4M 44%

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 (1)

Credit Quality Leader

growth
#31 of 659 • Top 4.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#111 of 1256 • Bottom 8.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#305 of 936 • Bottom 32.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

218
Loan-to-Deposit Ratio
liquidity
Value: 49.58%
Peer Median: 77.95%
#218 of 2643 Top 8.2% in $100M-$1B
411
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#411 of 2643 Top 15.5% in $100M-$1B
513
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.92%
#513 of 2633 Top 19.4% in $100M-$1B

Top Weaknesses (2 metrics)

2140
Tier 1 Capital Ratio
capital
Value: 10.67%
Peer Median: 15.91%
#2140 of 2643 Bottom 19.1% in $100M-$1B
2035
Net Interest Margin
profitability
Value: 3.38%
Peer Median: 3.99%
#2035 of 2643 Bottom 23.0% in $100M-$1B
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