BlastPoint's Banking Scorecard
FIRST NATIONAL BANK OF NOKOMIS
Nokomis, IL
4 branches across IL
FIRST NATIONAL BANK OF NOKOMIS has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 34.0% in tier
- - Flatlined Growth: Bottom 43.4% in tier
- - ROA 0.10% below tier average
- - Efficiency Ratio 6.83% above tier average
- - Delinquency Rate 0.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.7M
-0.2% YoY
+2.9% QoQ
|
-$203.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$92.5M
-0.8% YoY
-5.8% QoQ
|
-$163.2M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$162.2M
-1.7% YoY
+3.5% QoQ
|
-$165.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.17%
-2.0% YoY
+17.3% QoQ
|
-0.10% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
4.07%
+6.8% YoY
+1.6% QoQ
|
+0.14% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
72.11%
+1.5% YoY
+4.1% QoQ
|
+6.83% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
1.22%
+337.2% YoY
-1.6% QoQ
|
+0.33% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
57.05%
+0.9% YoY
-9.0% QoQ
|
-19.59% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
29.61%
-4.4% YoY
-5.5% QoQ
|
+7.59% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.62%
+334.9% YoY
-10.0% QoQ
|
-0.02% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
17.67%
-0.8% YoY
+1.6% QoQ
|
+1.84% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.12%
-16.5% YoY
-75.9% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
64% |
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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 (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.