BlastPoint's Banking Scorecard
First Security Bank
Mackinaw, IL
4 branches across IL
First Security Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 62.6% in tier
- - ROA 0.29% below tier average
- - Efficiency Ratio 0.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$148.9M
+16.9% YoY
+6.5% QoQ
|
-$237.2M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.9% in tier |
| Total Loans ? |
$119.4M
+28.4% YoY
+9.2% QoQ
|
-$136.4M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$127.1M
+13.7% YoY
+3.3% QoQ
|
-$200.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.3% in tier |
| Return on Assets ? |
0.98%
-6.1% YoY
-9.1% QoQ
|
-0.29% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
4.03%
+8.4% YoY
+2.4% QoQ
|
+0.10% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
66.21%
-3.3% YoY
-1.0% QoQ
|
+0.92% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
93.90%
+12.9% YoY
+5.7% QoQ
|
+17.26% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
14.54%
-15.5% YoY
-2.8% QoQ
|
-7.48% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.31%
-3.8% YoY
-1.0% QoQ
|
-6.52% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.4% in tier |
| Non-Interest Income / Assets ? |
0.07%
+74.4% YoY
-50.5% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
33% |
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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)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.