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Anna-Jonesboro National Bank

$100M-$1B Specialty: Other IL FDIC cert 3759

Anna, IL

3 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 -1.2% year over year ($203.9M on the books).
  • Delinquency rate 3.06%.
  • Return on assets 1.20%.
  • Efficiency ratio 61.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 50.76% 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) →

Anna-Jonesboro National Bank has 1 strength but faces 6 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

  • + Efficiency Ratio 2.87% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 30.7% in tier
  • - Deposit Outflow: Bottom 36.3% in tier
  • - Flatlined Growth: Bottom 47.8% in tier
  • - Delinquency Rate 2.14% above tier average
  • - ROA 0.13% below tier average
  • - Net Interest Margin 0.46% below tier average
Get updates when Anna-Jonesboro National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $234.2M
+0.2% YoY -1.2% QoQ
-$152.4M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $103.5M
+11.5% YoY +4.5% QoQ
-$154.9M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
20%
Total Deposits ? $203.9M
-1.2% YoY -1.6% QoQ
-$122.9M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 1.20%
+18.3% YoY +11.6% QoQ
-0.13% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
47%
Net Interest Margin ? 3.53%
+12.2% YoY +5.9% QoQ
-0.46% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 61.61%
-5.8% YoY -3.0% QoQ
-2.87% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 3.06%
-18.9% YoY -11.4% QoQ
+2.14% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 6.1% in tier
Loan-to-Deposit Ratio ? 50.76%
+12.9% YoY +6.2% QoQ
-27.19% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 8.7% in tier
Non-Interest-Bearing Deposit Share ? 32.51%
-4.0% YoY -1.9% QoQ
+10.48% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Top 13.4% in tier
Nonperforming Asset Ratio ? 1.35%
-9.7% YoY -6.3% QoQ
+0.68% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 14.1% in tier
Tier 1 Capital Ratio ? 31.95%
-1.7% YoY -3.6% QoQ
+16.04% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 3.3% in tier
Non-Interest Income / Assets ? 0.26%
-2.2% YoY +97.4% QoQ
-0.30% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
66%

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 32.5%
-1.4pp YoY
-0.6pp QoQ
 +10.4pp 22.1% 20.1% 22.2% 86%
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 6.6%
+3.5pp YoY
+3.0pp QoQ
 -5.0pp 11.6% 14.7% 12.5% 30%
CRE 21.0%
-0.9pp YoY
-1.3pp QoQ
 -18.5pp 39.5% 37.9% 41.4% 20%
1-4 Family 59.1%
-2.3pp YoY
-1.3pp QoQ
 +26.4pp 32.6% 28.3% 31.3% 89%
Consumer 5.6%
+1.3pp YoY
-0.3pp QoQ
 +1.5pp 4.1% 5.4% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 31.9%
-0.6pp YoY
-1.2pp QoQ
 +13.1pp 18.8% 19.9% 19.7% 94%
Leverage Ratio 14.6%
+0.5pp YoY
+0.1pp QoQ
 +2.4pp 12.2% 12.2% 12.6% 84%
Total Capital Ratio 33.2%
-0.6pp YoY
-1.2pp QoQ
 +13.3pp 19.9% 20.9% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 41
+5 (+13.9%) YoY
+3 (+7.9%) QoQ
 -18 58 228 482 42%
Assets per Employee ($) $5.7M
-12.0% YoY
-8.5% QoQ
 -$1.8M $7.5M $8.3M $8.8M 27%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

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 3.1%
-0.7pp YoY
-0.4pp QoQ
 +2.1pp 0.9% 1.1% 1.0% 94%
Allowance Coverage 0.62x
+16.3% YoY
+8.0% QoQ
 -23.53x 24.15x 5.62x 20.23x 14%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 9.7%
+0.3pp YoY
+0.9pp QoQ
 -2.5pp 12.2% 10.5% 11.6% 35%
Cost of Funds (YTD) 0.8%
0.0pp YoY
0.0pp QoQ
 -1.0pp 1.7% 1.6% 1.7% 5%
Net Income ($, YTD) $1.4M
+18.6% YoY
— QoQ
 -$1.1M $2.6M $11.7M $40.4M 39%

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 (3)

Liquidity Overhang

risk
#229 of 742 • Bottom 30.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 31.95%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 50.76%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#195 of 535 • Bottom 36.3% 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 | QoQ rank improving

Flatlined Growth

risk
#254 of 529 • Bottom 47.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.20%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

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 (3 metrics)

89
Tier 1 Capital Ratio
capital
Value: 31.95%
Peer Median: 15.91%
#89 of 2643 Top 3.3% in $100M-$1B
231
Loan-to-Deposit Ratio
liquidity
Value: 50.76%
Peer Median: 77.95%
#231 of 2643 Top 8.7% in $100M-$1B
354
Non-Interest-Bearing Deposit Share
funding
Value: 32.51%
Peer Median: 22.03%
#354 of 2643 Top 13.4% in $100M-$1B

Top Weaknesses (3 metrics)

2474
Delinquency Rate
credit_quality
Value: 3.06%
Peer Median: 0.92%
#2474 of 2633 Bottom 6.1% in $100M-$1B
2272
Nonperforming Asset Ratio
credit_quality
Value: 1.35%
Peer Median: 0.67%
#2272 of 2643 Bottom 14.1% in $100M-$1B
2114
Total Loans
size
Value: $103.49M
Peer Median: $258.35M
#2114 of 2643 Bottom 20.1% in $100M-$1B
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