BlastPoint's Banking Scorecard
National Bank of St. Anne
St. Anne, IL
3 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 +7.4% year over year ($126.8M on the books).
- Delinquency rate 1.57%.
- Return on assets 1.29%.
- Efficiency ratio 62.14% vs a 64.48% peer average.
- Loan-to-deposit ratio 95.17% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
National Bank of St. Anne has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.02% above tier average
- + Efficiency Ratio 2.34% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.2M
+5.7% YoY
-0.6% QoQ
|
-$243.3M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.3% in tier |
| Total Loans ? |
$120.6M
+13.1% YoY
+4.7% QoQ
|
-$137.7M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$126.8M
+7.4% YoY
-1.0% QoQ
|
-$200.0M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.3% in tier |
| Return on Assets ? |
1.29%
+35.7% YoY
+22.3% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
5.00%
+7.5% YoY
+4.2% QoQ
|
+1.02% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Top 7.9% in tier |
| Efficiency Ratio ? |
62.14%
-9.0% YoY
-8.1% QoQ
|
-2.34% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
1.57%
+87.8% YoY
+5.2% QoQ
|
+0.65% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
95.17%
+5.3% YoY
+5.8% QoQ
|
+17.22% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
18.96%
-13.2% YoY
-10.8% QoQ
|
-3.07% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.32%
+101.0% YoY
+10.8% QoQ
|
+0.65% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.6% in tier |
| Tier 1 Capital Ratio ? |
11.25%
+0.5% YoY
-0.0% QoQ
|
-4.66% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.32%
+33.2% YoY
+101.1% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
75% |
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 |
19.0%
-2.9pp YoY -2.3pp QoQ |
-3.2pp | 22.1% | 20.1% | 22.2% | 40% |
| 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 |
8.4%
-1.4pp YoY -0.1pp QoQ |
-3.2pp | 11.6% | 14.7% | 12.5% | 43% |
| CRE |
32.1%
+1.2pp YoY -0.9pp QoQ |
-7.5pp | 39.5% | 37.9% | 41.4% | 38% |
| 1-4 Family |
37.3%
+2.4pp YoY +1.6pp QoQ |
+4.7pp | 32.6% | 28.3% | 31.3% | 66% |
| Consumer |
3.1%
0.0pp YoY +0.2pp QoQ |
-1.1pp | 4.1% | 5.4% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.2%
+0.1pp YoY 0.0pp QoQ |
-7.6pp | 18.8% | 19.9% | 19.7% | 10% |
| Leverage Ratio |
9.4%
+0.4pp YoY +0.3pp QoQ |
-2.7pp | 12.2% | 12.2% | 12.6% | 20% |
| Total Capital Ratio |
12.4%
+0.1pp YoY 0.0pp QoQ |
-7.5pp | 19.9% | 20.9% | 20.8% | 10% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
29
0 YoY +1 (+3.6%) QoQ |
-30 | 58 | 228 | 482 | 25% |
| Assets per Employee ($) |
$4.9M
+5.7% YoY -4.0% QoQ |
-$2.6M | $7.5M | $8.3M | $8.8M | 14% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
+0.5pp YoY +0.3pp QoQ |
+0.7pp | 0.3% | 0.4% | 0.4% | 92% |
| Nonaccrual |
0.5%
+0.3pp YoY -0.2pp QoQ |
-0.4pp | 0.9% | 1.1% | 1.0% | 54% |
| Allowance Coverage |
0.70x
-44.4% YoY -6.1% QoQ |
-23.46x | 24.15x | 5.62x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 65% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.5%
+2.8pp YoY +2.2pp QoQ |
+0.3pp | 12.2% | 10.5% | 11.6% | 52% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 41% |
| Net Income ($, YTD) |
$919,000
+43.4% YoY — QoQ |
-$1.6M | $2.6M | $11.7M | $40.4M | 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.