BlastPoint's Banking Scorecard

The First National Bank of Assumption

under $100M Specialty: Other IL FDIC cert 3600

Designations: ✓ Community bank

Assumption, IL

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

The First National Bank of Assumption has 3 strengths but faces 1 concern

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 0.06% above tier average
+ Efficiency Ratio 15.25% below tier average
+ Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.46% below tier average

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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 ?	$24.2M -3.3% YoY +3.7% QoQ	-$38.0M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 7.4% in tier
Total Loans ?	$6.5M +3.7% YoY -1.4% QoQ	-$27.8M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 7.9% in tier
Total Deposits ?	$21.8M -4.5% YoY +4.3% QoQ	-$30.0M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 12.2% in tier
Return on Assets ?	0.89% +24.2% YoY +4.4% QoQ	+0.06%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	3.40% +1.9% YoY -4.2% QoQ	-0.46%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	73.10% +5.6% YoY +10.0% QoQ	-15.25%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	1.24% -16.1% YoY -1.0% QoQ	-0.14%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	29.75% +8.6% YoY -5.5% QoQ	-34.46%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 9.1% in tier
Non-Interest-Bearing Deposit Share ?	29.46% +8.1% YoY +3.4% QoQ	+5.75%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.33% -10.1% YoY -5.9% QoQ	-0.46%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	11.06% +7.9% YoY -1.3% QoQ	-15.62%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 13.3% in tier
Non-Interest Income / Assets ?	0.02% +3.4% YoY -86.2% QoQ	-0.65%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Bottom 10.7% in tier

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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 (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)

Loan-to-Deposit Ratio

liquidity

Value: 29.75%

Peer Median: 64.22%

#50 of 541 Top 9.1% in under $100M

Top Weaknesses (5 metrics)

502

Total Assets

size

Value: $24.16M

Peer Median: $62.16M

#502 of 541 Bottom 7.4% in under $100M

499

Total Loans

size

Value: $6.48M

Peer Median: $34.25M

#499 of 541 Bottom 7.9% in under $100M

484

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#484 of 541 Bottom 10.7% in under $100M

476

Total Deposits

size

Value: $21.77M

Peer Median: $51.74M

#476 of 541 Bottom 12.2% in under $100M

470

Tier 1 Capital Ratio

capital

Value: 11.06%

Peer Median: 26.68%

#470 of 541 Bottom 13.3% in under $100M