BlastPoint's Banking Scorecard
FIRST NATIONAL BANK OF NOKOMIS
Nokomis, IL
4 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 +1.0% year over year ($160.6M on the books).
- Delinquency rate 0.97%.
- Return on assets 1.33%.
- Efficiency ratio 68.55% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.40% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FIRST NATIONAL BANK OF NOKOMIS has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.20% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 4.07% above tier average
- - Delinquency Rate 0.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$181.9M
+2.0% YoY
-0.5% QoQ
|
-$204.7M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$93.8M
-2.6% YoY
+1.4% QoQ
|
-$164.6M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$160.6M
+1.0% YoY
-1.0% QoQ
|
-$166.1M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
1.33%
+6.5% YoY
+13.7% QoQ
|
+0.01% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
4.19%
+7.6% YoY
+2.9% QoQ
|
+0.20% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
65% |
| Efficiency Ratio ? |
68.55%
-1.8% YoY
-4.9% QoQ
|
+4.07% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
0.97%
+124.8% YoY
-20.3% QoQ
|
+0.05% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
58.40%
-3.6% YoY
+2.4% QoQ
|
-19.55% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
28.84%
-5.0% YoY
-2.6% QoQ
|
+6.81% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.50%
+103.8% YoY
-18.9% QoQ
|
-0.17% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
18.34%
-0.2% YoY
+3.8% QoQ
|
+2.44% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.27%
+0.5% YoY
+118.8% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
67% |
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 |
28.8%
-1.5pp YoY -0.8pp QoQ |
+6.7pp | 22.1% | 20.1% | 22.2% | 78% |
| 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 |
10.5%
+1.4pp YoY -0.3pp QoQ |
-1.0pp | 11.6% | 14.7% | 12.5% | 56% |
| CRE |
13.6%
+1.4pp YoY +1.3pp QoQ |
-25.9pp | 39.5% | 37.9% | 41.4% | 9% |
| 1-4 Family |
26.8%
+2.8pp YoY -0.6pp QoQ |
-5.9pp | 32.6% | 28.3% | 31.3% | 44% |
| Consumer |
3.8%
-0.4pp YoY 0.0pp QoQ |
-0.3pp | 4.1% | 5.4% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.3%
-0.1pp YoY +0.7pp QoQ |
-0.5pp | 18.8% | 19.9% | 19.7% | 71% |
| Leverage Ratio |
10.9%
0.0pp YoY 0.0pp QoQ |
-1.3pp | 12.2% | 12.2% | 12.6% | 48% |
| Total Capital Ratio |
19.5%
0.0pp YoY +0.7pp QoQ |
-0.4pp | 19.9% | 20.9% | 20.8% | 72% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
44
+2 (+4.8%) YoY -2 (-4.3%) QoQ |
-15 | 58 | 228 | 482 | 46% |
| Assets per Employee ($) |
$4.1M
-2.6% YoY +4.1% QoQ |
-$3.4M | $7.5M | $8.3M | $8.8M | 6% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 10 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.0%
+0.8pp YoY -0.2pp QoQ |
0.0pp | 0.9% | 1.1% | 1.0% | 71% |
| Allowance Coverage |
1.41x
-53.4% YoY +25.4% QoQ |
-22.74x | 24.15x | 5.62x | 20.23x | 37% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.9%
-0.9pp YoY +1.5pp QoQ |
+0.7pp | 12.2% | 10.5% | 11.6% | 55% |
| Cost of Funds (YTD) |
0.8%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.6% | 1.7% | 6% |
| Net Income ($, YTD) |
$1.2M
+7.0% YoY — QoQ |
-$1.4M | $2.6M | $11.7M | $40.4M | 33% |
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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.