BlastPoint's Banking Scorecard
First National Bank in Taylorville
Taylorville, IL
2 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 +2.6% year over year ($173.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.29%.
- Efficiency ratio 53.66% vs a 64.48% peer average.
- Loan-to-deposit ratio 51.71% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank in Taylorville has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 10.82% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.05% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$200.1M
+4.3% YoY
-0.4% QoQ
|
-$186.5M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$89.9M
+19.9% YoY
+12.3% QoQ
|
-$168.4M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.8% in tier |
| Total Deposits ? |
$173.9M
+2.6% YoY
-0.8% QoQ
|
-$152.8M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
1.29%
+15.0% YoY
-6.8% QoQ
|
-0.04% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
2.94%
+12.3% YoY
+2.4% QoQ
|
-1.05% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio ? |
53.66%
-11.2% YoY
+2.3% QoQ
|
-10.82% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
51.71%
+16.9% YoY
+13.2% QoQ
|
-26.24% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 9.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.70%
-1.5% YoY
-5.8% QoQ
|
-6.33% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.41%
+1.9% YoY
+1.4% QoQ
|
-1.50% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.14%
+4.3% YoY
+88.3% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
32% |
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 |
15.7%
-0.2pp YoY -1.0pp QoQ |
-6.4pp | 22.1% | 20.1% | 22.2% | 27% |
| 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 |
12.3%
-1.0pp YoY -0.3pp QoQ |
+0.8pp | 11.6% | 14.7% | 12.5% | 65% |
| CRE |
25.2%
+5.6pp YoY +0.9pp QoQ |
-14.4pp | 39.5% | 37.9% | 41.4% | 27% |
| 1-4 Family |
23.2%
-2.5pp YoY -1.2pp QoQ |
-9.5pp | 32.6% | 28.3% | 31.3% | 37% |
| Consumer |
5.1%
-2.7pp YoY -1.1pp QoQ |
+1.0pp | 4.1% | 5.4% | 5.0% | 77% |
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 |
14.4%
+0.3pp YoY +0.2pp QoQ |
+2.2pp | 12.2% | 12.2% | 12.6% | 84% |
| 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 |
21
0 YoY 0 QoQ |
-38 | 58 | 228 | 482 | 12% |
| Assets per Employee ($) |
$9.5M
+4.3% YoY -0.4% QoQ |
+$2.0M | $7.5M | $8.3M | $8.8M | 83% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 23% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.1%
-0.5pp YoY -0.9pp QoQ |
-1.1pp | 12.2% | 10.5% | 11.6% | 43% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 24% |
| Net Income ($, YTD) |
$1.3M
+18.3% YoY — QoQ |
-$1.3M | $2.6M | $11.7M | $40.4M | 35% |
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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.