BlastPoint's Banking Scorecard
First Robinson Savings Bank, National Association
Robinson, IL
5 branches across IL · IN
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 +6.5% year over year ($408.6M on the books).
- Delinquency rate 1.39%.
- Return on assets 1.31%.
- Efficiency ratio 56.83% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.39% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Robinson Savings Bank, National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.65% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.22% below tier average
- - Delinquency Rate 0.47% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$512.1M
+8.9% YoY
+0.3% QoQ
|
+$125.6M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$332.5M
+21.5% YoY
+6.2% QoQ
|
+$74.2M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$408.6M
+6.5% YoY
-2.6% QoQ
|
+$81.8M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
1.31%
+42.1% YoY
+4.4% QoQ
|
-0.01% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.77%
+15.2% YoY
+1.8% QoQ
|
-0.22% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
56.83%
-10.7% YoY
-8.6% QoQ
|
-7.65% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
1.39%
+205.2% YoY
-7.1% QoQ
|
+0.47% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
81.39%
+14.1% YoY
+9.0% QoQ
|
+3.44% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
18.03%
+2.7% YoY
-9.6% QoQ
|
-4.00% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.91%
+242.3% YoY
-1.6% QoQ
|
+0.24% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
12.93%
-8.5% YoY
-0.3% QoQ
|
-2.98% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.32%
-3.9% YoY
+114.7% QoQ
|
-0.24% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
76% |
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 |
18.0%
+0.5pp YoY -1.9pp QoQ |
-4.1pp | 22.1% | 20.1% | 22.2% | 36% |
| 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 |
9.2%
+0.4pp YoY +0.5pp QoQ |
-2.4pp | 11.6% | 14.7% | 12.5% | 48% |
| CRE |
29.5%
+0.6pp YoY +1.7pp QoQ |
-10.0pp | 39.5% | 37.9% | 41.4% | 34% |
| 1-4 Family |
39.2%
-2.4pp YoY -1.1pp QoQ |
+6.6pp | 32.6% | 28.3% | 31.3% | 69% |
| Consumer |
6.8%
-1.2pp YoY -0.5pp QoQ |
+2.7pp | 4.1% | 5.4% | 5.0% | 85% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
-1.2pp YoY 0.0pp QoQ |
-5.9pp | 18.8% | 19.9% | 19.7% | 27% |
| Leverage Ratio |
8.7%
-0.2pp YoY +0.3pp QoQ |
-3.4pp | 12.2% | 12.2% | 12.6% | 9% |
| Total Capital Ratio |
14.1%
-1.1pp YoY 0.0pp QoQ |
-5.9pp | 19.9% | 20.9% | 20.8% | 27% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
85
+4 (+4.9%) YoY +6 (+7.6%) QoQ |
+26 | 58 | 228 | 482 | 80% |
| Assets per Employee ($) |
$6.0M
+3.8% YoY -6.8% QoQ |
-$1.5M | $7.5M | $8.3M | $8.8M | 34% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.4%
+0.9pp YoY -0.1pp QoQ |
+0.5pp | 0.9% | 1.1% | 1.0% | 80% |
| Allowance Coverage |
0.84x
-66.3% YoY +9.7% QoQ |
-23.31x | 24.15x | 5.62x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
+4.2pp YoY +0.6pp QoQ |
+4.5pp | 12.2% | 10.5% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 29% |
| Net Income ($, YTD) |
$3.3M
+53.0% YoY — QoQ |
+$775K | $2.6M | $11.7M | $40.4M | 73% |
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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.