BlastPoint's Banking Scorecard
The Atlanta National Bank
Designations: ✓ Community bank
Atlanta, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +5.9% year over year ($69.0M on the books).
- Delinquency rate 1.01%.
- Return on assets 0.56%.
- Efficiency ratio 76.25% vs a 119.40% peer average.
- Loan-to-deposit ratio 50.73% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Atlanta National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 43.14% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Net Interest Margin 0.33% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.3M
+7.7% YoY
-2.1% QoQ
|
+$18.8M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$35.0M
+12.6% YoY
+2.5% QoQ
|
+$95K |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$69.0M
+5.9% YoY
-2.4% QoQ
|
+$17.4M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
0.56%
+4.3% YoY
-12.3% QoQ
|
-0.43% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
3.58%
+7.3% YoY
+0.3% QoQ
|
-0.33% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
76.25%
-8.1% YoY
-4.2% QoQ
|
-43.14% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
1.01%
+65.8% YoY
-30.4% QoQ
|
-0.47% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
50.73%
+6.3% YoY
+5.0% QoQ
|
-23.48% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
24.37%
+1.4% YoY
-9.5% QoQ
|
+0.88% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.43%
+73.4% YoY
-27.2% QoQ
|
-0.40% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
20.54%
-5.6% YoY
+0.5% QoQ
|
-6.58% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.08%
-12.9% YoY
+94.7% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
28% |
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 |
24.4%
+0.3pp YoY -2.6pp QoQ |
-0.3pp | 24.6% | 20.1% | 22.2% | 52% |
| 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 |
31.0%
-0.7pp YoY -2.2pp QoQ |
+17.6pp | 13.4% | 14.7% | 12.5% | 92% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
19.7%
-0.8pp YoY -0.2pp QoQ |
-15.3pp | 35.0% | 28.3% | 31.3% | 36% |
| Consumer |
6.4%
-2.3pp YoY -0.5pp QoQ |
-1.3pp | 7.7% | 5.4% | 5.0% | 59% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.5%
-1.2pp YoY +0.1pp QoQ |
-18.1pp | 38.7% | 19.9% | 19.7% | 49% |
| Leverage Ratio |
11.6%
-0.9pp YoY -0.1pp QoQ |
-6.1pp | 17.7% | 12.2% | 12.6% | 36% |
| Total Capital Ratio |
21.1%
-1.2pp YoY +0.1pp QoQ |
-18.6pp | 39.7% | 20.9% | 20.8% | 47% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
0 YoY -1 (-5.6%) QoQ |
+5 | 12 | 228 | 482 | 81% |
| Assets per Employee ($) |
$4.8M
+7.7% YoY +3.7% QoQ |
-$1.4M | $6.2M | $8.3M | $8.8M | 32% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 10 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
+0.3pp YoY -0.1pp QoQ |
0.0pp | 1.0% | 0.4% | 0.4% | 71% |
| Nonaccrual |
0.1%
-0.3pp QoQ |
-1.7pp | 1.7% | 1.1% | 1.0% | 8% |
| Allowance Coverage |
0.74x
-41.5% YoY +40.8% QoQ |
-5.67x | 6.41x | 5.62x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
0.6%
+0.5pp QoQ |
+0.4pp | 0.2% | 0.1% | 0.2% | 91% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.2%
+0.2pp YoY -0.7pp QoQ |
-1.2pp | 6.4% | 10.5% | 11.6% | 34% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.6% | 1.7% | 31% |
| Net Income ($, YTD) |
$226,000
+13.0% YoY — QoQ |
-$92K | $317,817 | $11.7M | $40.4M | 41% |
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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.