BlastPoint's Banking Scorecard

The Atlanta National Bank

under $100M Specialty: Other IL FDIC cert 3601

Designations: ✓ Community bank

Atlanta, IL

3 branches across IL

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

The Atlanta National Bank has 1 strength but faces 3 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

+ Efficiency Ratio 8.00% below tier average

Key Concerns

Areas that may need attention

- ROA 0.21% below tier average
- Net Interest Margin 0.30% below tier average
- Delinquency Rate 0.09% above tier average

Get updates when The Atlanta National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$83.0M +12.3% YoY +8.7% QoQ	+$20.7M	$62.3M -0.5% YoY	$2.3B +4.2% YoY	$6.2B +9.0% YoY	75%
Total Loans ?	$34.1M +9.3% YoY -1.6% QoQ	-$155K	$34.3M -1.5% YoY	$1.2B +5.0% YoY	$3.2B +10.7% YoY	53%
Total Deposits ?	$70.6M +10.6% YoY +7.9% QoQ	+$18.8M	$51.8M -0.6% YoY	$1.9B +3.6% YoY	$4.8B +8.0% YoY	75%
Return on Assets ?	0.64% +20.2% YoY +50.2% QoQ	-0.21%	0.86% -3.6% YoY	1.04% +2.4% YoY	1.24% +13.1% YoY	35%
Net Interest Margin ?	3.57% +7.3% YoY +3.7% QoQ	-0.30%	3.87% +2.7% YoY	3.61% +7.3% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	79.63% -4.9% YoY -2.6% QoQ	-8.00%	87.63% +2.3% YoY	63.68% -7.1% YoY	66.84% -3.8% YoY	35%
Delinquency Rate ?	1.45% +323.2% YoY +42.2% QoQ	+0.09%	1.36% +33.7% YoY	1.15% +15.2% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	48.32% -1.1% YoY -8.8% QoQ	-15.79%	64.11% -0.9% YoY	71.92% +0.7% YoY	76.69% +0.9% YoY	72%
Non-Interest-Bearing Deposit Share ?	26.92% +4.8% YoY +5.0% QoQ	+3.14%	23.79% +0.5% YoY	20.45% -1.0% YoY	22.01% -1.1% YoY	63%
Nonperforming Asset Ratio ?	0.60% +312.1% YoY +28.6% QoQ	-0.18%	0.77% +28.7% YoY	0.78% +18.6% YoY	0.66% +19.3% YoY	35%
Tier 1 Capital Ratio ?	20.43% -8.9% YoY -1.9% QoQ	-6.34%	26.77% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.04% -10.9% YoY -81.1% QoQ	-0.63%	0.67% +1.6% YoY	0.34% +6.6% YoY	0.32% +4.0% YoY	30%

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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 537 peers in under $100M

Top Strengths (1 metrics)

135

Total Deposits

size

Value: $70.65M

Peer Median: $51.83M

#135 of 537 Top 25.0% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available