BlastPoint's Banking Scorecard
The Fisher National Bank
Fisher, IL
6 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 +12.0% year over year ($326.2M on the books).
- Delinquency rate 1.32%.
- Return on assets 1.62%.
- Efficiency ratio 59.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.59% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Fisher National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.12% above tier average
- + Efficiency Ratio 5.26% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$375.5M
+8.1% YoY
+1.7% QoQ
|
-$11.0M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$282.4M
+9.3% YoY
+3.3% QoQ
|
+$24.1M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$326.2M
+12.0% YoY
+1.9% QoQ
|
-$553K |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.62%
+3.6% YoY
-0.3% QoQ
|
+0.30% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
4.10%
+7.9% YoY
+2.6% QoQ
|
+0.12% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
59.22%
-2.6% YoY
+0.2% QoQ
|
-5.26% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
1.32%
+147.9% YoY
+125.1% QoQ
|
+0.40% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
86.59%
-2.5% YoY
+1.3% QoQ
|
+8.64% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
15.53%
-8.0% YoY
-10.7% QoQ
|
-6.50% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.99%
+150.7% YoY
+128.7% QoQ
|
+0.32% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
9.00%
-2.9% YoY
-3.8% QoQ
|
-6.91% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.9% in tier |
| Non-Interest Income / Assets ? |
0.31%
-32.8% YoY
+69.6% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
74% |
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 |
15.5%
-1.3pp YoY -1.9pp QoQ |
-6.6pp | 22.1% | 20.1% | 22.2% | 26% |
| Brokered Deposits |
6.1%
+4.8pp YoY -0.1pp QoQ |
-1.7pp | 7.9% | 8.0% | 8.5% | 59% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.8%
-0.2pp YoY -0.3pp QoQ |
-3.7pp | 11.6% | 14.7% | 12.5% | 39% |
| CRE |
33.7%
-0.6pp YoY -1.6pp QoQ |
-5.9pp | 39.5% | 37.9% | 41.4% | 41% |
| 1-4 Family |
49.3%
+0.7pp YoY +0.9pp QoQ |
+16.7pp | 32.6% | 28.3% | 31.3% | 82% |
| Consumer |
2.2%
-0.2pp YoY 0.0pp QoQ |
-1.9pp | 4.1% | 5.4% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
9.0%
-0.3pp YoY -0.4pp QoQ |
-3.2pp | 12.2% | 12.2% | 12.6% | 12% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
66
-2 (-2.9%) YoY +1 (+1.5%) QoQ |
+7 | 58 | 228 | 482 | 68% |
| Assets per Employee ($) |
$5.7M
+11.3% YoY +0.1% QoQ |
-$1.8M | $7.5M | $8.3M | $8.8M | 27% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 10 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.3pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 36% |
| Nonaccrual |
1.3%
+1.1pp YoY +1.0pp QoQ |
+0.3pp | 0.9% | 1.1% | 1.0% | 78% |
| Allowance Coverage |
0.67x
-62.8% YoY -57.5% QoQ |
-23.49x | 24.15x | 5.62x | 20.23x | 16% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.8%
-0.4pp YoY +0.1pp QoQ |
+5.6pp | 12.2% | 10.5% | 11.6% | 81% |
| Cost of Funds (YTD) |
2.0%
0.0pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 70% |
| Net Income ($, YTD) |
$3.0M
+12.7% YoY — QoQ |
+$444K | $2.6M | $11.7M | $40.4M | 70% |
Get Full Access to The Fisher National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.