BlastPoint's Banking Scorecard
The Havana National Bank
Havana, IL
6 branches across IL
The Havana National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.79% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 38.0% in tier
- - Net Interest Margin 0.28% below tier average
- - Delinquency Rate 0.45% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$341.1M
+8.2% YoY
+4.9% QoQ
|
-$45.0M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$221.4M
+8.4% YoY
-1.9% QoQ
|
-$34.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$240.7M
+4.0% YoY
+6.0% QoQ
|
-$87.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
1.31%
+8.2% YoY
-8.9% QoQ
|
+0.04% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
3.65%
+2.1% YoY
-3.2% QoQ
|
-0.28% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
54.50%
-4.4% YoY
+4.6% QoQ
|
-10.79% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
1.34%
-45.2% YoY
+3.6% QoQ
|
+0.45% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
91.97%
+4.2% YoY
-7.5% QoQ
|
+15.33% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
16.27%
-4.8% YoY
+10.7% QoQ
|
-5.75% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.87%
-45.1% YoY
-3.2% QoQ
|
+0.23% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.87%
-4.7% YoY
+0.2% QoQ
|
-3.96% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.12%
-1.9% YoY
-79.6% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.