BlastPoint's Banking Scorecard

The Havana National Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 3677

Havana, IL

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits -1.0% year over year ($234.2M on the books).
Delinquency rate 2.71%.
Return on assets 1.63%.
Efficiency ratio 49.47% vs a 64.48% peer average.
Loan-to-deposit ratio 98.10% 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) →

The Havana National Bank has 2 strengths but faces 5 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

+ ROA 0.31% above tier average
+ Efficiency Ratio 15.01% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 33.1% in tier
- Deposit Outflow: Bottom 42.2% in tier
- Delinquency Rate 1.80% above tier average
- Nonperforming Asset Ratio 1.21% above tier average
- Net Interest Margin 0.19% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$332.8M +2.7% YoY -2.4% QoQ	-$53.7M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$229.8M +2.7% YoY +3.8% QoQ	-$28.6M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$234.2M -1.0% YoY -2.7% QoQ	-$92.5M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	1.63% +10.2% YoY +24.7% QoQ	+0.31%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	3.80% +3.0% YoY +4.0% QoQ	-0.19%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	49.47% -6.0% YoY -9.2% QoQ	-15.01%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	2.71% -3.1% YoY +102.2% QoQ	+1.80%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 7.4% in tier
Loan-to-Deposit Ratio ?	98.10% +3.7% YoY +6.7% QoQ	+20.14%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 12.4% in tier
Non-Interest-Bearing Deposit Share ?	13.20% -7.3% YoY -18.9% QoQ	-8.83%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	18%
Nonperforming Asset Ratio ?	1.88% -2.7% YoY +116.1% QoQ	+1.21%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 8.2% in tier
Tier 1 Capital Ratio ?	12.17% +2.0% YoY +2.6% QoQ	-3.74%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.41% +27.9% YoY +242.5% QoQ	-0.15%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 13.7% 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	13.2% -1.0pp YoY -3.1pp QoQ	-9.0pp	22.1%	20.1%	22.2%	18%
Brokered Deposits	n/a	n/a	7.9%	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	7.8% +0.2pp YoY -0.6pp QoQ	-3.8pp	11.6%	14.7%	12.5%	38%
CRE	4.1% -0.3pp YoY -0.4pp QoQ	-35.5pp	39.5%	37.9%	41.4%	1%
1-4 Family	5.7% -0.2pp YoY -0.3pp QoQ	-27.0pp	32.6%	28.3%	31.3%	6%
Consumer	1.5% -0.2pp YoY 0.0pp QoQ	-2.6pp	4.1%	5.4%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	12.2% +0.2pp YoY +0.3pp QoQ	0.0pp	12.2%	12.2%	12.6%	67%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	55 -2 (-3.5%) YoY 0 QoQ	-4	58	228	482	58%
Assets per Employee ($)	$6.1M +6.5% YoY -2.4% QoQ	-$1.5M	$7.5M	$8.3M	$8.8M	35%
Branch Count	6 0 YoY 0 QoQ	+1	4	10	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	2.1% -0.4pp YoY +1.4pp QoQ	+1.8pp	0.3%	0.4%	0.4%	97%
Nonaccrual	0.6% +0.3pp YoY -0.1pp QoQ	-0.3pp	0.9%	1.1%	1.0%	57%
Allowance Coverage	0.39x +8.7% YoY -52.9% QoQ	-23.77x	24.15x	5.62x	20.23x	6%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	62%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	14.7% +0.9pp YoY +2.8pp QoQ	+2.5pp	12.2%	10.5%	11.6%	66%
Cost of Funds (YTD)	1.6% +0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	42%
Net Income ($, YTD)	$2.7M +17.2% YoY — QoQ	+$156K	$2.6M	$11.7M	$40.4M	65%

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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 (2)

Liquidity Strain

risk

#230 of 691 • Bottom 33.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.10%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#227 of 535 • Bottom 42.2% 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

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)

364

Non-Interest Income / Assets

revenue_mix

Value: 0.41%

Peer Median: 0.57%

#364 of 2643 Top 13.7% in $100M-$1B

419

Efficiency Ratio

profitability

Value: 49.47%

Peer Median: 64.48%

#419 of 2643 Top 15.8% in $100M-$1B

Top Weaknesses (4 metrics)

2438

Delinquency Rate

credit_quality

Value: 2.71%

Peer Median: 0.92%

#2438 of 2633 Bottom 7.4% in $100M-$1B

2426

Nonperforming Asset Ratio

credit_quality

Value: 1.88%

Peer Median: 0.67%

#2426 of 2643 Bottom 8.2% in $100M-$1B

2317

Loan-to-Deposit Ratio

liquidity

Value: 98.10%

Peer Median: 77.95%

#2317 of 2643 Bottom 12.4% in $100M-$1B

2168

Non-Interest-Bearing Deposit Share

funding

Value: 13.20%

Peer Median: 22.03%

#2168 of 2643 Bottom 18.0% in $100M-$1B