BlastPoint's Banking Scorecard
Albank National Association
Chicago, IL
4 branches across IL
Albank National Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.13% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 37.8% in tier
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.51% below tier average
- - Net Interest Margin 0.82% below tier average
- - Delinquency Rate 0.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$729.4M
+3.4% YoY
-0.0% QoQ
|
+$343.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 11.1% in tier |
| Total Loans ? |
$538.5M
-5.7% YoY
-0.3% QoQ
|
+$282.8M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Top 8.6% in tier |
| Total Deposits ? |
$600.7M
+3.4% YoY
-0.2% QoQ
|
+$272.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 12.4% in tier |
| Return on Assets ? |
0.76%
+56.6% YoY
-11.2% QoQ
|
-0.51% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.11%
+11.7% YoY
+2.4% QoQ
|
-0.82% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio ? |
63.16%
-12.6% YoY
+7.7% QoQ
|
-2.13% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
1.15%
-54.7% YoY
-39.7% QoQ
|
+0.26% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
89.64%
-8.9% YoY
-0.1% QoQ
|
+13.00% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
22.43%
+3.7% YoY
+1.7% QoQ
|
+0.41% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.85%
-58.7% YoY
-39.9% QoQ
|
+0.21% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
16.69%
-0.4% YoY
+1.1% QoQ
|
+0.86% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.03%
-14.0% YoY
-75.5% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.9% in tier |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.