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1NB Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 14761

Carlyle, IL

4 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

1NB Bank has 2 strengths 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 7.55% below tier average
  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 42.0% in tier
  • - ROA 0.35% below tier average
  • - Net Interest Margin 0.61% below tier average
Get updates when 1NB Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $308.5M
+5.2% YoY +0.6% QoQ
-$77.6M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
48%
Total Loans ? $201.0M
+22.7% YoY +4.2% QoQ
-$54.7M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
49%
Total Deposits ? $258.3M
+2.6% YoY +0.6% QoQ
-$69.6M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
46%
Return on Assets ? 0.92%
+27.0% YoY -8.5% QoQ
-0.35% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
33%
Net Interest Margin ? 3.32%
+23.8% YoY +12.4% QoQ
-0.61% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
22%
Efficiency Ratio ? 57.73%
-9.3% YoY +8.6% QoQ
-7.55% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
67%
Delinquency Rate ? 0.37%
-2.2% YoY -24.9% QoQ
-0.52% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
52%
Loan-to-Deposit Ratio ? 77.81%
+19.6% YoY +3.5% QoQ
+1.17% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
51%
Non-Interest-Bearing Deposit Share ? 17.93%
-0.0% YoY -0.1% QoQ
-4.09% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
36%
Nonperforming Asset Ratio ? 0.24%
+14.1% YoY -22.2% QoQ
-0.40% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
56%
Tier 1 Capital Ratio ? 10.11%
+4.2% YoY -0.3% QoQ
-5.72% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
Bottom 11.0% in tier
Non-Interest Income / Assets ? 0.07%
-13.8% YoY -79.0% QoQ
-0.21% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
30%

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 (1)

Capital Thin

risk
#281 of 666 • Bottom 42.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.11%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2373
Tier 1 Capital Ratio
capital
Value: 10.11%
Peer Median: 15.83%
#2373 of 2664 Bottom 11.0% in $100M-$1B
2070
Net Interest Margin
profitability
Value: 3.32%
Peer Median: 3.93%
#2070 of 2664 Bottom 22.3% in $100M-$1B
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