BlastPoint

BlastPoint's Banking Scorecard

First National Bank of Pana

$100M-$1B Specialty: Commercial IL FDIC cert 3720

Pana, 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 +10.6% year over year ($350.7M on the books).
  • Delinquency rate 0.07%.
  • Return on assets 1.58%.
  • Efficiency ratio 56.36% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.58% 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) →

First National Bank of Pana has 3 strengths but faces 3 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 0.26% above tier average
  • + Efficiency Ratio 8.12% below tier average
  • + Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 42.8% in tier
  • - Margin Compression: Bottom 65.8% in tier
  • - Net Interest Margin 0.29% below tier average
Get updates when First National Bank of Pana releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $394.8M
+10.9% YoY -2.5% QoQ
+$8.3M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
60%
Total Loans ? $289.6M
+7.8% YoY +5.5% QoQ
+$31.2M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $350.7M
+10.6% YoY -3.0% QoQ
+$23.9M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 1.58%
-16.3% YoY -11.2% QoQ
+0.26% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
70%
Net Interest Margin ? 3.70%
-1.6% YoY +6.1% QoQ
-0.29% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 56.36%
+19.4% YoY +18.8% QoQ
-8.12% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 0.07%
-68.3% YoY -68.5% QoQ
-0.85% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 82.58%
-2.6% YoY +8.8% QoQ
+4.63% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 21.89%
-6.5% YoY -4.1% QoQ
-0.14% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
54%
Nonperforming Asset Ratio ? 0.05%
-70.0% YoY -65.9% QoQ
-0.62% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 10.55%
-0.3% YoY -0.4% QoQ
-5.36% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.25%
+9.3% YoY +121.5% QoQ
-0.32% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
63%

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 21.9%
-1.5pp YoY
-0.9pp QoQ
 -0.3pp 22.1% 20.1% 22.2% 54%
Brokered Deposits 1.4%
0.0pp QoQ
 -6.5pp 7.9% 8.0% 8.5% 23%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 12.5%
-0.1pp YoY
-0.3pp QoQ
 +1.0pp 11.6% 14.7% 12.5% 66%
CRE 36.6%
-1.5pp YoY
+1.3pp QoQ
 -3.0pp 39.5% 37.9% 41.4% 46%
1-4 Family 26.3%
+1.6pp YoY
+0.2pp QoQ
 -6.3pp 32.6% 28.3% 31.3% 43%
Consumer 3.7%
-0.2pp YoY
-0.5pp QoQ
 -0.4pp 4.1% 5.4% 5.0% 67%

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 10.5%
0.0pp YoY
0.0pp QoQ
 -1.6pp 12.2% 12.2% 12.6% 42%
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 45
+5 (+12.5%) YoY
0 QoQ
 -14 58 228 482 47%
Assets per Employee ($) $8.8M
-1.5% YoY
-2.5% QoQ
 +$1.3M $7.5M $8.3M $8.8M 77%
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 n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
-0.2pp YoY
-0.2pp QoQ
 -0.9pp 0.9% 1.1% 1.0% 15%
Allowance Coverage 13.61x
+207.7% YoY
+199.9% QoQ
 -10.54x 24.15x 5.62x 20.23x 85%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 29%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 15.3%
-3.2pp YoY
-2.1pp QoQ
 +3.1pp 12.2% 10.5% 11.6% 69%
Cost of Funds (YTD) 1.9%
+0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 62%
Net Income ($, YTD) $3.1M
-5.3% YoY
— QoQ
 +$587K $2.6M $11.7M $40.4M 72%

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)

Cost Spiral

risk
#60 of 138 • Bottom 42.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 56.36%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Margin Compression

decline
#203 of 307 • Bottom 65.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.58%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

574
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.67%
#574 of 2643 Top 21.7% in $100M-$1B
606
Delinquency Rate
credit_quality
Value: 0.07%
Peer Median: 0.92%
#606 of 2633 Top 23.0% in $100M-$1B

Top Weaknesses (1 metrics)

2184
Tier 1 Capital Ratio
capital
Value: 10.55%
Peer Median: 15.91%
#2184 of 2643 Bottom 17.4% in $100M-$1B
Powered by BlastPoint © 2026