BlastPoint's Banking Scorecard
The Anna -Jonesboro National Bank
Anna, IL
3 branches across IL
The Anna -Jonesboro National Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.77% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 33.3% in tier
- - Flatlined Growth: Bottom 41.2% in tier
- - Deposit Outflow: Bottom 49.4% in tier
- - Delinquency Rate 2.57% above tier average
- - ROA 0.20% below tier average
- - Net Interest Margin 0.60% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$237.1M
+0.1% YoY
+0.7% QoQ
|
-$148.9M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$99.0M
+7.1% YoY
-1.6% QoQ
|
-$156.7M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$207.2M
-1.4% YoY
+0.8% QoQ
|
-$120.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
1.07%
+13.3% YoY
+0.9% QoQ
|
-0.20% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.33%
+10.3% YoY
+2.1% QoQ
|
-0.60% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
63.51%
-5.3% YoY
+3.3% QoQ
|
-1.77% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
49% |
| Delinquency Rate ? |
3.46%
-4.7% YoY
+2.1% QoQ
|
+2.57% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.6% in tier |
| Loan-to-Deposit Ratio ? |
47.80%
+8.7% YoY
-2.4% QoQ
|
-28.84% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 7.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.12%
-2.1% YoY
+6.0% QoQ
|
+11.10% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Top 12.3% in tier |
| Nonperforming Asset Ratio ? |
1.44%
+1.2% YoY
-0.2% QoQ
|
+0.81% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.1% in tier |
| Tier 1 Capital Ratio ? |
33.13%
+2.3% YoY
+3.8% QoQ
|
+17.30% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 2.8% in tier |
| Non-Interest Income / Assets ? |
0.13%
-1.4% YoY
-74.4% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
68% |
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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 (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.