BlastPoint's Banking Scorecard
The First National Bank of Assumption
Designations: ✓ Community bank
Assumption, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -0.7% year over year ($22.7M on the books).
- Delinquency rate 1.26%.
- Return on assets 1.06%.
- Efficiency ratio 65.38% vs a 119.40% peer average.
- Loan-to-deposit ratio 29.00% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Assumption has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 54.01% below tier average
- + Delinquency Rate 0.22% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.35% below tier average
- - Net Interest Margin 0.36% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.2M
-0.0% YoY
+4.2% QoQ
|
-$37.3M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.8% in tier |
| Total Loans ? |
$6.6M
+3.9% YoY
+1.8% QoQ
|
-$28.3M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.0% in tier |
| Total Deposits ? |
$22.7M
-0.7% YoY
+4.4% QoQ
|
-$28.9M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.7% in tier |
| Return on Assets ? |
1.06%
+17.0% YoY
+18.4% QoQ
|
+0.06% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.55%
+2.4% YoY
+4.3% QoQ
|
-0.36% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
65.38%
+1.7% YoY
-10.6% QoQ
|
-54.01% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
1.26%
-7.1% YoY
+2.0% QoQ
|
-0.22% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
29.00%
+4.7% YoY
-2.5% QoQ
|
-45.21% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 8.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.66%
+19.2% YoY
+4.1% QoQ
|
+7.18% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.33%
-3.5% YoY
-0.4% QoQ
|
-0.51% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
11.14%
+3.8% YoY
+0.7% QoQ
|
-15.99% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.0% in tier |
| Non-Interest Income / Assets ? |
0.03%
+0.0% YoY
+68.0% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.0% in tier |
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 |
30.7%
+4.9pp YoY +1.2pp QoQ |
+6.0pp | 24.6% | 20.1% | 22.2% | 75% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
6.0%
-1.1pp YoY -0.2pp QoQ |
-7.4pp | 13.4% | 14.7% | 12.5% | 27% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
39.0%
+0.1pp YoY -0.7pp QoQ |
+4.0pp | 35.0% | 28.3% | 31.3% | 60% |
| Consumer |
19.8%
+0.6pp YoY -0.7pp QoQ |
+12.2pp | 7.7% | 5.4% | 5.0% | 93% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
11.1%
+0.4pp YoY +0.1pp QoQ |
-6.6pp | 17.7% | 12.2% | 12.6% | 30% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 228 | 482 | 2% |
| Assets per Employee ($) |
$6.3M
0.0% YoY +4.2% QoQ |
+$104K | $6.2M | $8.3M | $8.8M | 55% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.1% | -0.9pp | 1.0% | 0.4% | 0.4% | 23% |
| Nonaccrual |
1.2%
-0.2pp YoY -0.1pp QoQ |
-0.6pp | 1.7% | 1.1% | 1.0% | 61% |
| Allowance Coverage |
1.12x
+2.5% YoY -3.6% QoQ |
-5.29x | 6.41x | 5.62x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
-0.1%
+0.1pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 13% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.8%
+0.6pp YoY +1.8pp QoQ |
+4.4pp | 6.4% | 10.5% | 11.6% | 66% |
| Cost of Funds (YTD) |
0.7%
0.0pp YoY -0.1pp QoQ |
-0.8pp | 1.4% | 1.6% | 1.7% | 12% |
| Net Income ($, YTD) |
$128,000
+16.4% YoY — QoQ |
-$190K | $317,817 | $11.7M | $40.4M | 27% |
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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.