BlastPoint's Banking Scorecard

First National Bank & Trust Company

$100M-$1B Specialty: Agricultural IL FDIC cert 3639

Clinton, IL

4 branches across WI · 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits -5.4% year over year ($364.9M on the books).
Delinquency rate 0.89%.
Return on assets 0.49%.
Efficiency ratio 71.94% vs a 64.48% peer average.
Loan-to-deposit ratio 42.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

First National Bank & Trust Company faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 46.0% in tier
- Net Interest Margin 1.45% below tier average
- ROA 0.83% below tier average
- Efficiency Ratio 7.46% above tier average

Get updates when First National Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$388.1M -3.0% YoY +1.1% QoQ	+$1.5M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$155.9M +28.3% YoY +6.9% QoQ	-$102.5M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	37%
Total Deposits ?	$364.9M -5.4% YoY +0.1% QoQ	+$38.2M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	0.49% +294.5% YoY -54.3% QoQ	-0.83%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 12.0% in tier
Net Interest Margin ?	2.54% +18.0% YoY +3.6% QoQ	-1.45%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 3.1% in tier
Efficiency Ratio ?	71.94% -34.5% YoY +28.1% QoQ	+7.46%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	26%
Delinquency Rate ?	0.89% +328.7% YoY -10.1% QoQ	-0.03%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	31%
Loan-to-Deposit Ratio ?	42.71% +35.5% YoY +6.7% QoQ	-35.24%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 5.1% in tier
Non-Interest-Bearing Deposit Share ?	10.38% +21.0% YoY +4.5% QoQ	-11.65%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 11.4% in tier
Nonperforming Asset Ratio ?	0.75% +21.7% YoY -5.4% QoQ	+0.08%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	12.10% -6.5% YoY -3.1% QoQ	-3.80%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.40% +520.4% YoY +4.6% QoQ	-0.16%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 14.5% in tier

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	10.4% +1.8pp YoY +0.4pp QoQ	-11.8pp	22.1%	20.1%	22.2%	11%
Brokered Deposits	28.0% +3.3pp YoY +1.9pp QoQ	+20.1pp	7.9%	8.0%	8.5%	96%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	11.6% -2.9pp YoY -1.1pp QoQ	+0.1pp	11.6%	14.7%	12.5%	61%
CRE	36.8% +17.5pp YoY +3.7pp QoQ	-2.7pp	39.5%	37.9%	41.4%	47%
1-4 Family	22.8% -11.9pp YoY -2.8pp QoQ	-9.8pp	32.6%	28.3%	31.3%	36%
Consumer	1.2% -1.0pp YoY -0.1pp QoQ	-2.9pp	4.1%	5.4%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	12.1% -0.8pp YoY -0.4pp QoQ	-6.7pp	18.8%	19.9%	19.7%	18%
Leverage Ratio	7.8% +0.4pp YoY 0.0pp QoQ	-4.4pp	12.2%	12.2%	12.6%	1%
Total Capital Ratio	12.6% -0.8pp YoY -0.4pp QoQ	-7.4pp	19.9%	20.9%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	49 -9 (-15.5%) YoY +2 (+4.3%) QoQ	-10	58	228	482	52%
Assets per Employee ($)	$7.9M +14.8% YoY -3.0% QoQ	+$402K	$7.5M	$8.3M	$8.8M	67%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.2pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.4%	0.4%	13%
Nonaccrual	1.9% 0.0pp YoY -0.1pp QoQ	+0.9pp	0.9%	1.1%	1.0%	86%
Allowance Coverage	0.82x -77.2% YoY +4.9% QoQ	-23.33x	24.15x	5.62x	20.23x	21%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	72.4% -139.2pp QoQ	+60.2pp	12.2%	10.5%	11.6%	100%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.6%	1.7%	79%
Net Income ($, YTD)	$952,000 +290.8% YoY — QoQ	-$1.6M	$2.6M	$11.7M	$40.4M	25%

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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 (1)

Deposit Outflow

decline

#247 of 535 • Bottom 46.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

137

Loan-to-Deposit Ratio

liquidity

Value: 42.71%

Peer Median: 77.95%

#137 of 2643 Top 5.1% in $100M-$1B

385

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.57%

#385 of 2643 Top 14.5% in $100M-$1B

Top Weaknesses (3 metrics)

2562

Net Interest Margin

profitability

Value: 2.54%

Peer Median: 3.99%

#2562 of 2643 Bottom 3.1% in $100M-$1B

2343

Non-Interest-Bearing Deposit Share

funding

Value: 10.38%

Peer Median: 22.03%

#2343 of 2643 Bottom 11.4% in $100M-$1B

2327

Return on Assets

profitability

Value: 0.49%

Peer Median: 1.32%

#2327 of 2643 Bottom 12.0% in $100M-$1B