BlastPoint's Banking Scorecard
First National Bank in Taylorville
Taylorville, IL
2 branches across IL
First National Bank in Taylorville has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + ROA 0.11% above tier average
- + Efficiency Ratio 12.83% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.06% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$201.0M
+1.9% YoY
+1.5% QoQ
|
-$185.1M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$80.1M
+23.9% YoY
-1.2% QoQ
|
-$175.6M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.2% in tier |
| Total Deposits ? |
$175.3M
+2.2% YoY
+1.6% QoQ
|
-$152.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
1.38%
-5.5% YoY
+21.7% QoQ
|
+0.11% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
2.87%
+10.4% YoY
+5.9% QoQ
|
-1.06% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.9% in tier |
| Efficiency Ratio ? |
52.46%
-9.9% YoY
-11.5% QoQ
|
-12.83% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
45.70%
+21.3% YoY
-2.7% QoQ
|
-30.94% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 6.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.66%
-2.7% YoY
+4.4% QoQ
|
-5.36% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.21%
+4.3% YoY
+0.6% QoQ
|
-1.62% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.08%
+5.1% YoY
-71.1% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
36% |
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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.