BlastPoint's Banking Scorecard

Community National Bank in Monmouth

under $100M Specialty: Agricultural IL FDIC cert 19230

Designations: ✓ Community bank

Monmouth, IL

541 banks in the under $100M peer group nationally 61 in IL

Community National Bank in Monmouth demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.08% above tier average
+ Net Interest Margin 0.42% above tier average
+ Efficiency Ratio 14.43% below tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Community National Bank in Monmouth releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$53.5M +2.9% YoY -0.4% QoQ	-$8.7M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	36%
Total Loans ?	$35.1M +5.0% YoY +5.4% QoQ	+$900K	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$46.2M +2.2% YoY -0.8% QoQ	-$5.5M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	0.91% +9.6% YoY +1.0% QoQ	+0.08%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	4.28% +13.8% YoY +7.7% QoQ	+0.42%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	73.91% -0.9% YoY +3.3% QoQ	-14.43%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	0.88% -42.4% YoY -9.3% QoQ	-0.49%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	76.04% +2.8% YoY +6.3% QoQ	+11.83%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	14.60% -13.5% YoY -2.9% QoQ	-9.11%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.58% -41.2% YoY -3.9% QoQ	-0.21%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	12.99% +1.6% YoY -0.1% QoQ	-13.70%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.13% -14.7% YoY -80.7% QoQ	-0.53%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	80%

Get Full Access to Community National Bank in Monmouth

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

107

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.67%

#107 of 541 Top 19.6% in under $100M

Top Weaknesses (1 metrics)

417

Non-Interest-Bearing Deposit Share

funding

Value: 14.60%

Peer Median: 23.71%

#417 of 541 Bottom 23.1% in under $100M