BlastPoint's Banking Scorecard
The First National Bank in Amboy
Amboy, IL
5 branches across IL
The First National Bank in Amboy has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.6% in tier
- - ROA 0.25% below tier average
- - Net Interest Margin 0.58% below tier average
- - Efficiency Ratio 6.44% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$321.2M
+8.4% YoY
+2.4% QoQ
|
-$64.9M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$129.4M
+13.7% YoY
-1.0% QoQ
|
-$126.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$260.7M
-2.2% YoY
+0.7% QoQ
|
-$67.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
1.02%
+5.1% YoY
+20.2% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.35%
-1.3% YoY
+0.9% QoQ
|
-0.58% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
71.73%
-1.0% YoY
-2.4% QoQ
|
+6.44% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? | 0.04% | -0.85% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
49.62%
+16.3% YoY
-1.7% QoQ
|
-27.02% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 9.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.14%
-0.1% YoY
+0.7% QoQ
|
-0.88% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? | 0.02% | -0.62% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
10.65%
+0.0% YoY
-0.3% QoQ
|
-5.18% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.10%
+8.9% YoY
-72.7% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
53% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.