BlastPoint's Banking Scorecard

The First National Bank of Arenzville

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

Arenzville, IL

3 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 +8.9% year over year ($143.7M on the books).
Delinquency rate 0.05%.
Return on assets 1.84%.
Efficiency ratio 57.87% vs a 64.48% peer average.
Loan-to-deposit ratio 78.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

The First National Bank of Arenzville has 4 strengths but faces 2 concerns

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 6.4% in tier
+ ROA 0.51% above tier average
+ Net Interest Margin 0.16% above tier average
+ Efficiency Ratio 6.60% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.7% in tier
- Credit Risk Growth: Bottom 21.6% in tier

Get updates when The First National Bank of Arenzville releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$158.7M +9.3% YoY +0.7% QoQ	-$227.9M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$112.2M +6.6% YoY +2.3% QoQ	-$146.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$143.7M +8.9% YoY +0.2% QoQ	-$183.1M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	19%
Return on Assets ?	1.84% +8.6% YoY +4.0% QoQ	+0.51%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	4.14% +8.2% YoY +3.3% QoQ	+0.16%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	57.87% +2.3% YoY +1.7% QoQ	-6.60%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	64%
Delinquency Rate ?	0.05% +110.2% YoY -4.0% QoQ	-0.87%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	79%
Loan-to-Deposit Ratio ?	78.07% -2.1% YoY +2.1% QoQ	+0.12%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	17.75% -3.4% YoY +0.6% QoQ	-4.28%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.04% +104.9% YoY -2.4% QoQ	-0.63%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	10.63% +3.3% YoY +2.0% QoQ	-5.28%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.32% +20.4% YoY +116.0% QoQ	-0.25%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	75%

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	17.8% -0.6pp YoY +0.1pp QoQ	-4.4pp	22.1%	20.1%	22.2%	35%
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	10.5% +0.4pp YoY +0.8pp QoQ	-1.1pp	11.6%	14.7%	12.5%	55%
CRE	20.4% -1.8pp YoY -0.3pp QoQ	-19.1pp	39.5%	37.9%	41.4%	19%
1-4 Family	29.9% +1.4pp YoY -0.5pp QoQ	-2.8pp	32.6%	28.3%	31.3%	51%
Consumer	8.0% +0.6pp YoY +0.1pp QoQ	+3.9pp	4.1%	5.4%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	10.6% +0.3pp YoY +0.2pp QoQ	-8.2pp	18.8%	19.9%	19.7%	6%
Leverage Ratio	8.8% +0.1pp YoY +0.3pp QoQ	-3.3pp	12.2%	12.2%	12.6%	10%
Total Capital Ratio	11.5% +0.3pp YoY +0.2pp QoQ	-8.4pp	19.9%	20.9%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	29 +5 (+20.8%) YoY +5 (+20.8%) QoQ	-30	58	228	482	25%
Assets per Employee ($)	$5.5M -9.5% YoY -16.7% QoQ	-$2.0M	$7.5M	$8.3M	$8.8M	22%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

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	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.1%	1.0%	12%
Allowance Coverage	20.27x -52.2% YoY +3.3% QoQ	-3.89x	24.15x	5.62x	20.23x	88%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	22.0% 0.0pp YoY +0.7pp QoQ	+9.8pp	12.2%	10.5%	11.6%	92%
Cost of Funds (YTD)	1.5% +0.1pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	36%
Net Income ($, YTD)	$1.4M +16.0% YoY — QoQ	-$1.1M	$2.6M	$11.7M	$40.4M	40%

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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

#43 of 659 • Top 6.4% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#85 of 1256 • Bottom 6.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#203 of 936 • Bottom 21.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

493

Return on Assets

profitability

Value: 1.84%

Peer Median: 1.32%

#493 of 2643 Top 18.6% in $100M-$1B

506

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#506 of 2643 Top 19.1% in $100M-$1B

551

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.92%

#551 of 2633 Top 20.9% in $100M-$1B

Top Weaknesses (4 metrics)

2207

Total Assets

size

Value: $158.69M

Peer Median: $386.57M

#2207 of 2643 Bottom 16.5% in $100M-$1B

2148

Tier 1 Capital Ratio

capital

Value: 10.63%

Peer Median: 15.91%

#2148 of 2643 Bottom 18.8% in $100M-$1B

2132

Total Deposits

size

Value: $143.67M

Peer Median: $326.73M

#2132 of 2643 Bottom 19.4% in $100M-$1B

2041

Total Loans

size

Value: $112.17M

Peer Median: $258.35M

#2041 of 2643 Bottom 22.8% in $100M-$1B