BlastPoint's Banking Scorecard

The First National Bank of Arenzville

$100M-$1B Specialty: Agricultural IL FDIC cert 3599

Arenzville, IL

3 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

The First National Bank of Arenzville shows strong momentum with 4 strengths and 7.9% YoY asset growth

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

+ Credit Quality Leader: Top 16.0% in tier
+ ROA 0.50% above tier average
+ Net Interest Margin 0.08% above tier average
+ Efficiency Ratio 8.37% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$157.6M +7.9% YoY +3.9% QoQ	-$228.4M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$109.6M +8.9% YoY +1.6% QoQ	-$146.1M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$143.4M +7.1% YoY +4.7% QoQ	-$184.6M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	1.77% +21.4% YoY +18.3% QoQ	+0.50%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	4.01% +10.3% YoY -0.4% QoQ	+0.08%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	56.92% -6.2% YoY -11.2% QoQ	-8.37%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	68%
Delinquency Rate ?	0.05% -18.2% YoY -3.3% QoQ	-0.84%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	76.46% +1.6% YoY -2.9% QoQ	-0.18%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	17.64% -4.8% YoY -7.6% QoQ	-4.38%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.04% -17.4% YoY -5.4% QoQ	-0.60%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	10.43% +3.3% YoY -2.5% QoQ	-5.41%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.15% +19.1% YoY -73.8% QoQ	-0.13%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (1)

Credit Quality Leader

growth

#107 of 664 • Top 16.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

532

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#532 of 2664 Top 19.9% in $100M-$1B

534

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.27%

#534 of 2664 Top 20.0% in $100M-$1B

563

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#563 of 2654 Top 21.2% in $100M-$1B

Top Weaknesses (4 metrics)

2259

Tier 1 Capital Ratio

capital

Value: 10.43%

Peer Median: 15.83%

#2259 of 2664 Bottom 15.2% in $100M-$1B

2221

Total Assets

size

Value: $157.64M

Peer Median: $386.08M

#2221 of 2664 Bottom 16.7% in $100M-$1B

2153

Total Deposits

size

Value: $143.37M

Peer Median: $327.97M

#2153 of 2664 Bottom 19.2% in $100M-$1B

2061

Total Loans

size

Value: $109.62M

Peer Median: $255.72M

#2061 of 2664 Bottom 22.7% in $100M-$1B