BlastPoint's Banking Scorecard

National Bank of St. Anne

$100M-$1B Specialty: Commercial IL FDIC cert 16752

St. Anne, IL

3 branches across IL

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

National Bank of St. Anne has 1 strength 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

+ Net Interest Margin 0.87% above tier average

Key Concerns

Areas that may need attention

- ROA 0.22% below tier average
- Efficiency Ratio 2.34% above tier average
- Delinquency Rate 0.60% above 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 ?	$144.0M +7.5% YoY +2.4% QoQ	-$242.0M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 12.5% in tier
Total Loans ?	$115.2M +11.1% YoY +0.4% QoQ	-$140.5M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$128.0M +7.3% YoY +2.6% QoQ	-$199.9M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 14.6% in tier
Return on Assets ?	1.05% +26.4% YoY -8.3% QoQ	-0.22%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	4.80% +5.3% YoY +0.2% QoQ	+0.87%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Top 10.9% in tier
Efficiency Ratio ?	67.63% -5.6% YoY +2.3% QoQ	+2.34%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	1.49% +58.3% YoY -30.9% QoQ	+0.60%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	89.98% +3.5% YoY -2.1% QoQ	+13.34%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	21.25% +1.6% YoY +1.9% QoQ	-0.77%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	1.19% +63.7% YoY -32.3% QoQ	+0.55%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	11.25% +6.9% YoY -0.9% QoQ	-4.58%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.16% +23.7% YoY -70.4% QoQ	-0.12%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	76%

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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 (0)

No matched concern signatures this quarter

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)

292

Net Interest Margin

profitability

Value: 4.80%

Peer Median: 3.93%

#292 of 2664 Top 10.9% in $100M-$1B

644

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#644 of 2664 Top 24.1% in $100M-$1B

Top Weaknesses (6 metrics)

2331

Total Assets

size

Value: $144.03M

Peer Median: $386.08M

#2331 of 2664 Bottom 12.5% in $100M-$1B

2276

Total Deposits

size

Value: $128.04M

Peer Median: $327.97M

#2276 of 2664 Bottom 14.6% in $100M-$1B

2242

Nonperforming Asset Ratio

credit_quality

Value: 1.19%

Peer Median: 0.64%

#2242 of 2664 Bottom 15.9% in $100M-$1B

2171

Delinquency Rate

credit_quality

Value: 1.49%

Peer Median: 0.89%

#2171 of 2654 Bottom 18.2% in $100M-$1B

2019

Loan-to-Deposit Ratio

liquidity

Value: 89.98%

Peer Median: 76.64%

#2019 of 2664 Bottom 24.2% in $100M-$1B

2014

Total Loans

size

Value: $115.20M

Peer Median: $255.72M

#2014 of 2664 Bottom 24.4% in $100M-$1B