BlastPoint's Banking Scorecard
First National Bank & Trust Company
Clinton, IL
4 branches across WI · IL
First National Bank & Trust Company has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 21.5% in tier
- + Efficiency Ratio 9.11% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 15.4% in tier
- - Net Interest Margin 1.48% below tier average
- - ROA 0.19% below tier average
- - Delinquency Rate 0.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$383.8M
-2.5% YoY
-0.7% QoQ
|
-$2.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$145.9M
+19.1% YoY
+2.7% QoQ
|
-$109.9M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$364.5M
-6.1% YoY
-1.9% QoQ
|
+$36.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
1.08%
+643.3% QoQ
|
-0.19% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
2.45%
+10.8% YoY
+7.6% QoQ
|
-1.48% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio ? |
56.18%
-44.5% YoY
-46.6% QoQ
|
-9.11% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.99%
+196.5% YoY
+699.4% QoQ
|
+0.10% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
40.01%
+26.8% YoY
+4.7% QoQ
|
-36.63% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 4.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.94%
-4.9% YoY
+7.3% QoQ
|
-12.08% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.6% in tier |
| Nonperforming Asset Ratio ? |
0.79%
+24.0% YoY
+71.7% QoQ
|
+0.16% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
12.49%
-4.2% YoY
+2.9% QoQ
|
-3.34% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.39%
+960.6% YoY
+96.7% QoQ
|
+0.11% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 4.6% 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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.