BlastPoint's Banking Scorecard
1NB Bank
Carlyle, IL
5 branches across IL · MO
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 +4.8% year over year ($260.1M on the books).
- Delinquency rate 0.07%.
- Return on assets 1.08%.
- Efficiency ratio 52.99% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.57% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
1NB Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 11.49% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Net Interest Margin 0.60% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$319.0M
+8.8% YoY
+3.4% QoQ
|
-$67.6M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$212.1M
+22.7% YoY
+5.5% QoQ
|
-$46.2M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$260.1M
+4.8% YoY
+0.7% QoQ
|
-$66.7M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
1.08%
+34.5% YoY
+17.5% QoQ
|
-0.24% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
3.38%
+20.9% YoY
+2.0% QoQ
|
-0.60% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
52.99%
-11.9% YoY
-8.2% QoQ
|
-11.49% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
0.07%
-80.2% YoY
-81.5% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
81.57%
+17.1% YoY
+4.8% QoQ
|
+3.61% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
17.58%
-5.4% YoY
-2.0% QoQ
|
-4.45% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.05%
-77.7% YoY
-81.1% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
10.29%
+1.4% YoY
+1.8% QoQ
|
-5.61% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.3% in tier |
| Non-Interest Income / Assets ? |
0.15%
-6.0% YoY
+133.1% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
17.6%
-1.0pp YoY -0.4pp QoQ |
-4.6pp | 22.1% | 20.1% | 22.2% | 34% |
| 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 |
12.0%
-1.7pp YoY +1.0pp QoQ |
+0.5pp | 11.6% | 14.7% | 12.5% | 64% |
| CRE |
38.5%
+8.3pp YoY +0.9pp QoQ |
-1.1pp | 39.5% | 37.9% | 41.4% | 50% |
| 1-4 Family |
12.5%
-0.3pp YoY +0.5pp QoQ |
-20.1pp | 32.6% | 28.3% | 31.3% | 15% |
| Consumer |
3.6%
-0.6pp YoY -0.1pp QoQ |
-0.5pp | 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 |
10.3%
+0.1pp YoY +0.2pp QoQ |
-1.9pp | 12.2% | 12.2% | 12.6% | 37% |
| 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 |
35
+4 (+12.9%) YoY +3 (+9.4%) QoQ |
-24 | 58 | 228 | 482 | 35% |
| Assets per Employee ($) |
$9.1M
-3.6% YoY -5.5% QoQ |
+$1.6M | $7.5M | $8.3M | $8.8M | 80% |
| Branch Count |
5
+1 (+25.0%) YoY +1 (+25.0%) QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.3pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 4% |
| Nonaccrual |
0.1%
-0.3pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.1% | 1.0% | 14% |
| Allowance Coverage |
14.94x
+368.6% YoY +451.6% QoQ |
-9.21x | 24.15x | 5.62x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
+2.1pp YoY +1.7pp QoQ |
-0.6pp | 12.2% | 10.5% | 11.6% | 47% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 40% |
| Net Income ($, YTD) |
$1.7M
+41.6% YoY — QoQ |
-$866K | $2.6M | $11.7M | $40.4M | 46% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.