BlastPoint's Banking Scorecard

The First National Bank of Lacon

$100M-$1B Specialty: Agricultural IL FDIC cert 3688

Lacon, 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 -6.5% year over year ($92.7M on the books).
Delinquency rate 0.14%.
Return on assets 1.18%.
Efficiency ratio 69.21% vs a 64.48% peer average.
Loan-to-deposit ratio 71.13% 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 First National Bank of Lacon has 1 strength but faces 4 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

+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 37.9% in tier
- Non-Interest Income / Assets 0.54% below tier average
- ROA 0.14% below tier average
- Efficiency Ratio 4.74% above 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 ?	$103.7M -2.9% YoY +11.4% QoQ	-$282.8M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 0.9% in tier
Total Loans ?	$65.9M +2.5% YoY -2.6% QoQ	-$192.4M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 6.0% in tier
Total Deposits ?	$92.7M -6.5% YoY +8.6% QoQ	-$234.1M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 3.4% in tier
Return on Assets ?	1.18% +14.7% YoY +37.4% QoQ	-0.14%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	4.00% +11.2% YoY -1.3% QoQ	+0.02%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	69.21% +1.5% YoY -10.3% QoQ	+4.74%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.14% -92.1% YoY +81.2% QoQ	-0.78%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	71.13% +9.7% YoY -10.3% QoQ	-6.82%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	68%
Non-Interest-Bearing Deposit Share ?	16.42% +11.3% YoY -10.8% QoQ	-5.61%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	30%
Nonperforming Asset Ratio ?	0.09% -91.7% YoY +58.4% QoQ	-0.58%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	73%
Tier 1 Capital Ratio ?	16.01% +41.4% YoY +38.1% QoQ	+0.10%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.03% +11.2% YoY +86.4% QoQ	-0.54%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 2.2% 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	16.4% +1.7pp YoY -2.0pp QoQ	-5.7pp	22.1%	20.1%	22.2%	29%
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	15.6% -1.8pp YoY 0.0pp QoQ	+4.0pp	11.6%	14.7%	12.5%	78%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	15.6% +1.2pp YoY +0.2pp QoQ	-17.0pp	32.6%	28.3%	31.3%	21%
Consumer	7.3% -1.0pp YoY -0.2pp QoQ	+3.2pp	4.1%	5.4%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	16.0% +4.7pp YoY +4.4pp QoQ	-2.8pp	18.8%	19.9%	19.7%	58%
Leverage Ratio	11.8% +3.5pp YoY +3.1pp QoQ	-0.4pp	12.2%	12.2%	12.6%	62%
Total Capital Ratio	16.7% +4.8pp YoY +4.4pp QoQ	-3.3pp	19.9%	20.9%	20.8%	54%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	12 -1 (-7.7%) YoY -1 (-7.7%) QoQ	-47	58	228	482	2%
Assets per Employee ($)	$8.6M +5.2% YoY +20.7% QoQ	+$1.1M	$7.5M	$8.3M	$8.8M	76%
Branch Count	1 0 YoY 0 QoQ	-4	4	10	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.1% +0.1pp YoY +0.1pp QoQ	-0.8pp	0.9%	1.1%	1.0%	23%
Allowance Coverage	5.30x +1272.3% YoY -44.7% QoQ	-18.85x	24.15x	5.62x	20.23x	71%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	13.1% -1.2pp YoY +2.7pp QoQ	+0.9pp	12.2%	10.5%	11.6%	56%
Cost of Funds (YTD)	0.9% -0.1pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.6%	1.7%	9%
Net Income ($, YTD)	$576,000 +12.7% YoY — QoQ	-$2.0M	$2.6M	$11.7M	$40.4M	12%

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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

#204 of 535 • Bottom 37.9% 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 (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2621

Total Assets

size

Value: $103.74M

Peer Median: $386.57M

#2621 of 2643 Bottom 0.9% in $100M-$1B

2586

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.57%

#2586 of 2643 Bottom 2.2% in $100M-$1B

2553

Total Deposits

size

Value: $92.66M

Peer Median: $326.73M

#2553 of 2643 Bottom 3.4% in $100M-$1B

2485

Total Loans

size

Value: $65.91M

Peer Median: $258.35M

#2485 of 2643 Bottom 6.0% in $100M-$1B