BlastPoint's Banking Scorecard
The First National Bank of Lacon
Designations: ✓ Community bank
Lacon, IL
The First National Bank of Lacon has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio 10.48% below tier average
- + Delinquency Rate 1.29% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.1M
+2.7% YoY
-3.0% QoQ
|
+$30.8M |
$62.3M
-0.5% YoY
|
$2.3B
+4.2% YoY
|
$6.2B
+9.0% YoY
|
Top 8.8% in tier |
| Total Loans ? |
$67.7M
+10.5% YoY
+2.1% QoQ
|
+$33.4M |
$34.3M
-1.5% YoY
|
$1.2B
+5.0% YoY
|
$3.2B
+10.7% YoY
|
Top 6.1% in tier |
| Total Deposits ? |
$85.3M
+2.3% YoY
-2.9% QoQ
|
+$33.5M |
$51.8M
-0.6% YoY
|
$1.9B
+3.6% YoY
|
$4.8B
+8.0% YoY
|
Top 3.2% in tier |
| Return on Assets ? |
0.86%
+0.5% YoY
-14.4% QoQ
|
+0.00% |
0.86%
-3.6% YoY
|
1.04%
+2.4% YoY
|
1.24%
+13.1% YoY
|
46% |
| Net Interest Margin ? |
4.06%
+12.1% YoY
+7.9% QoQ
|
+0.19% |
3.87%
+2.7% YoY
|
3.61%
+7.3% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
77.15%
+1.8% YoY
+11.1% QoQ
|
-10.48% |
87.63%
+2.3% YoY
|
63.68%
-7.1% YoY
|
66.84%
-3.8% YoY
|
40% |
| Delinquency Rate ? |
0.08%
-86.5% YoY
|
-1.29% |
1.36%
+33.7% YoY
|
1.15%
+15.2% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
79.33%
+8.0% YoY
+5.1% QoQ
|
+15.22% |
64.11%
-0.9% YoY
|
71.92%
+0.7% YoY
|
76.69%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
18.42%
+8.1% YoY
-7.6% QoQ
|
-5.37% |
23.79%
+0.5% YoY
|
20.45%
-1.0% YoY
|
22.01%
-1.1% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.05%
-85.5% YoY
|
-0.72% |
0.77%
+28.7% YoY
|
0.78%
+18.6% YoY
|
0.66%
+19.3% YoY
|
64% |
| Tier 1 Capital Ratio ? |
11.60%
-5.2% YoY
-3.5% QoQ
|
-15.18% |
26.77%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.01%
+5.5% YoY
-77.7% QoQ
|
-0.66% |
0.67%
+1.6% YoY
|
0.34%
+6.6% YoY
|
0.32%
+4.0% YoY
|
Bottom 8.9% 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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.