BlastPoint's Banking Scorecard
Forest Park National Bank and Trust Company
Forest Park, IL
2 branches across IL
Forest Park National Bank and Trust Company has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 18.6% in tier
- - Flatlined Growth: Bottom 28.3% in tier
- - Delinquency Rate 1.75% above tier average
- - Nonperforming Asset Ratio 1.37% above tier average
- - ROA 0.33% below tier average
- - Efficiency Ratio 11.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$320.4M
-0.4% YoY
+0.5% QoQ
|
-$65.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$244.2M
-0.6% YoY
-3.8% QoQ
|
-$11.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$286.6M
+0.3% YoY
+2.1% QoQ
|
-$41.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
0.94%
+64.4% YoY
+13.8% QoQ
|
-0.33% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
4.25%
+11.8% YoY
+5.2% QoQ
|
+0.32% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
77.20%
-8.2% YoY
-1.3% QoQ
|
+11.92% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
2.63%
+193.0% YoY
+5.1% QoQ
|
+1.75% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.5% in tier |
| Loan-to-Deposit Ratio ? |
85.21%
-0.9% YoY
-5.7% QoQ
|
+8.57% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
20.54%
-3.1% YoY
-4.0% QoQ
|
-1.48% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
2.01%
+192.4% YoY
+0.6% QoQ
|
+1.37% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.8% in tier |
| Tier 1 Capital Ratio ? |
10.77%
+4.4% YoY
+3.6% QoQ
|
-5.06% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.06%
+32.5% YoY
-70.7% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
24% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
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.