BlastPoint's Banking Scorecard
The First National Bank of Assumption
Designations: ✓ Community bank
Assumption, IL
The First National Bank of Assumption has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.53% below tier average
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.47% below tier average
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
|
-$38.1M |
$62.3M
-0.5% YoY
|
$2.3B
+4.2% YoY
|
$6.2B
+9.0% YoY
|
Bottom 7.1% in tier |
| Total Loans ? |
$6.5M
+3.7% YoY
-1.4% QoQ
|
-$27.8M |
$34.3M
-1.5% YoY
|
$1.2B
+5.0% YoY
|
$3.2B
+10.7% YoY
|
Bottom 7.8% in tier |
| Total Deposits ? |
$21.8M
-4.5% YoY
+4.3% QoQ
|
-$30.1M |
$51.8M
-0.6% YoY
|
$1.9B
+3.6% YoY
|
$4.8B
+8.0% YoY
|
Bottom 11.9% in tier |
| Return on Assets ? |
0.89%
+24.2% YoY
+4.4% QoQ
|
+0.04% |
0.86%
-3.6% YoY
|
1.04%
+2.4% YoY
|
1.24%
+13.1% YoY
|
47% |
| Net Interest Margin ? |
3.40%
+1.9% YoY
-4.2% QoQ
|
-0.47% |
3.87%
+2.7% YoY
|
3.61%
+7.3% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
73.10%
+5.6% YoY
+10.0% QoQ
|
-14.53% |
87.63%
+2.3% YoY
|
63.68%
-7.1% YoY
|
66.84%
-3.8% YoY
|
47% |
| Delinquency Rate ? |
1.24%
-16.1% YoY
-1.0% QoQ
|
-0.13% |
1.36%
+33.7% YoY
|
1.15%
+15.2% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
29.75%
+8.6% YoY
-5.5% QoQ
|
-34.36% |
64.11%
-0.9% YoY
|
71.92%
+0.7% YoY
|
76.69%
+0.9% YoY
|
Top 9.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.46%
+8.1% YoY
+3.4% QoQ
|
+5.67% |
23.79%
+0.5% YoY
|
20.45%
-1.0% YoY
|
22.01%
-1.1% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.33%
-10.1% YoY
-5.9% QoQ
|
-0.44% |
0.77%
+28.7% YoY
|
0.78%
+18.6% YoY
|
0.66%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
11.06%
+7.9% YoY
-1.3% QoQ
|
-15.71% |
26.77%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.2% in tier |
| Non-Interest Income / Assets ? |
0.02%
+3.4% YoY
-86.2% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.34%
+6.6% YoY
|
0.32%
+4.0% YoY
|
Bottom 10.8% in tier |
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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.