BlastPoint's Banking Scorecard

Citizens National Bank of Albion

$100M-$1B Specialty: Agricultural IL FDIC cert 15760

Albion, IL

5 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Citizens National Bank of Albion has 3 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

+ ROA 0.19% above tier average
+ Efficiency Ratio 14.50% below tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 18.7% in tier
- Credit Quality Pressure: Bottom 34.2% in tier
- Net Interest Margin 0.07% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$353.4M +1.9% YoY +2.2% QoQ	-$32.7M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$223.1M +0.4% YoY -2.3% QoQ	-$32.6M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	54%
Total Deposits ?	$289.4M +1.1% YoY +2.3% QoQ	-$38.6M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	1.46% +21.2% YoY +16.8% QoQ	+0.19%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	3.86% +13.2% YoY +7.6% QoQ	-0.07%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	50.79% -6.9% YoY -8.4% QoQ	-14.50%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.59% +31.1% YoY +14.8% QoQ	-0.30%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	77.09% -0.7% YoY -4.5% QoQ	+0.45%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	19.71% +3.0% YoY +0.5% QoQ	-2.31%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.37% +29.2% YoY +9.7% QoQ	-0.27%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	45%
Tier 1 Capital Ratio ?	25.05% +0.7% YoY +1.7% QoQ	+9.22%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 6.5% in tier
Non-Interest Income / Assets ?	0.10% +1.4% YoY -76.8% QoQ	-0.18%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	52%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

Liquidity Overhang

risk

#139 of 739 • Bottom 18.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 25.05%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 77.09%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#448 of 1308 • Bottom 34.2% in tier

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

Why this signature

Delinquency Rate: 0.59%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

173

Tier 1 Capital Ratio

capital

Value: 25.05%

Peer Median: 15.83%

#173 of 2664 Top 6.5% in $100M-$1B

461

Efficiency Ratio

profitability

Value: 50.79%

Peer Median: 65.29%

#461 of 2664 Top 17.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available