BlastPoint's Banking Scorecard

Citizens National Bank of Albion

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

Albion, 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 -0.6% year over year ($283.9M on the books).
Delinquency rate 0.55%.
Return on assets 1.51%.
Efficiency ratio 50.20% vs a 64.48% peer average.
Loan-to-deposit ratio 78.54% 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) →

Citizens National Bank of Albion has 3 strengths but faces 2 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 14.28% below tier average
+ Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 19.3% in tier
- Credit Quality Pressure: Bottom 26.0% in tier

Get updates when Citizens National Bank of Albion releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$348.5M +0.5% YoY -1.4% QoQ	-$38.1M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	54%
Total Loans ?	$223.0M +0.2% YoY -0.1% QoQ	-$35.4M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	53%
Total Deposits ?	$283.9M -0.6% YoY -1.9% QoQ	-$42.8M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	52%
Return on Assets ?	1.51% +22.8% YoY +3.5% QoQ	+0.19%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	66%
Net Interest Margin ?	3.95% +14.5% YoY +2.2% QoQ	-0.04%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	50.20% -7.4% YoY -1.1% QoQ	-14.28%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.55% +9.4% YoY -7.2% QoQ	-0.37%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	78.54% +0.8% YoY +1.9% QoQ	+0.59%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	19.35% +3.1% YoY -1.8% QoQ	-2.68%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	42%
Nonperforming Asset Ratio ?	0.35% +9.1% YoY -6.0% QoQ	-0.32%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	48%
Tier 1 Capital Ratio ?	25.45% +2.9% YoY +1.6% QoQ	+9.54%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 6.5% in tier
Non-Interest Income / Assets ?	0.21% +2.1% YoY +110.0% QoQ	-0.36%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	53%

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	19.3% +0.6pp YoY -0.4pp QoQ	-2.8pp	22.1%	20.1%	22.2%	42%
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	12.6% -0.7pp YoY +0.5pp QoQ	+1.0pp	11.6%	14.7%	12.5%	66%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	29.1% +1.3pp YoY +0.1pp QoQ	-3.5pp	32.6%	28.3%	31.3%	49%
Consumer	6.2% -0.1pp YoY 0.0pp QoQ	+2.1pp	4.1%	5.4%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	25.4% +0.7pp YoY +0.4pp QoQ	+6.6pp	18.8%	19.9%	19.7%	90%
Leverage Ratio	17.4% +0.5pp YoY +0.1pp QoQ	+5.2pp	12.2%	12.2%	12.6%	94%
Total Capital Ratio	26.7% +0.7pp YoY +0.4pp QoQ	+6.8pp	19.9%	20.9%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	49 -1 (-2.0%) YoY 0 QoQ	-10	58	228	482	52%
Assets per Employee ($)	$7.1M +2.5% YoY -1.4% QoQ	-$406K	$7.5M	$8.3M	$8.8M	54%
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	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	35%
Nonaccrual	0.5% 0.0pp YoY -0.1pp QoQ	-0.4pp	0.9%	1.1%	1.0%	53%
Allowance Coverage	2.61x -9.0% YoY +5.0% QoQ	-21.54x	24.15x	5.62x	20.23x	55%
Net Charge-off Rate (YTD)	0.1% +0.2pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	81%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	8.8% +1.2pp YoY +0.2pp QoQ	-3.4pp	12.2%	10.5%	11.6%	30%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.6%	1.7%	31%
Net Income ($, YTD)	$2.6M +23.7% YoY — QoQ	+$83K	$2.6M	$11.7M	$40.4M	64%

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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

#144 of 742 • Bottom 19.3% 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: 25.45%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 78.54%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#328 of 1256 • Bottom 26.0% in tier

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

Why this signature

Delinquency Rate: 0.55%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

173

Tier 1 Capital Ratio

capital

Value: 25.45%

Peer Median: 15.91%

#173 of 2643 Top 6.5% in $100M-$1B

458

Efficiency Ratio

profitability

Value: 50.20%

Peer Median: 64.48%

#458 of 2643 Top 17.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available