BlastPoint's Banking Scorecard
The First National Bank of Ava
Designations: ✓ Community bank
Ava, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -0.0% year over year ($69.5M on the books).
- Delinquency rate 0.07%.
- Return on assets 1.05%.
- Efficiency ratio 67.82% vs a 119.40% peer average.
- Loan-to-deposit ratio 63.54% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Ava demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.05% above tier average
- + Net Interest Margin 0.23% above tier average
- + Efficiency Ratio 51.57% below tier average
- + Delinquency Rate 1.41% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.3M
+1.5% YoY
-0.5% QoQ
|
+$15.9M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
68% |
| Total Loans ? |
$44.2M
+21.3% YoY
+5.8% QoQ
|
+$9.3M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$69.5M
-0.0% YoY
-0.5% QoQ
|
+$17.9M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
74% |
| Return on Assets ? |
1.05%
+19.5% YoY
+0.9% QoQ
|
+0.05% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
4.15%
+7.1% YoY
+0.3% QoQ
|
+0.23% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
67.82%
-5.6% YoY
-0.5% QoQ
|
-51.57% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.07%
-76.7% YoY
-76.8% QoQ
|
-1.41% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
63.54%
+21.3% YoY
+6.3% QoQ
|
-10.67% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
19.94%
-2.9% YoY
-4.5% QoQ
|
-3.55% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.04%
-72.1% YoY
-75.3% QoQ
|
-0.80% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
19.35%
-8.2% YoY
-1.7% QoQ
|
-7.77% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.09%
+6.1% YoY
+113.1% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
35% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
19.9%
-0.6pp YoY -0.9pp QoQ |
-4.7pp | 24.6% | 20.1% | 22.2% | 35% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
4.8%
-2.8pp YoY -0.5pp QoQ |
-8.6pp | 13.4% | 14.7% | 12.5% | 19% |
| CRE |
19.6%
+4.4pp YoY -0.3pp QoQ |
-5.6pp | 25.2% | 37.9% | 41.4% | 48% |
| 1-4 Family |
33.3%
-4.9pp YoY +0.3pp QoQ |
-1.7pp | 35.0% | 28.3% | 31.3% | 53% |
| Consumer |
7.3%
-3.5pp YoY -0.4pp QoQ |
-0.4pp | 7.7% | 5.4% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.4%
-1.7pp YoY -0.3pp QoQ |
-19.3pp | 38.7% | 19.9% | 19.7% | 42% |
| Leverage Ratio |
12.8%
+0.4pp YoY +0.2pp QoQ |
-4.9pp | 17.7% | 12.2% | 12.6% | 50% |
| Total Capital Ratio |
20.6%
-1.7pp YoY -0.3pp QoQ |
-19.1pp | 39.7% | 20.9% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
+1 (+7.1%) YoY 0 QoQ |
+3 | 12 | 228 | 482 | 73% |
| Assets per Employee ($) |
$5.2M
-5.3% YoY -0.5% QoQ |
-$967K | $6.2M | $8.3M | $8.8M | 40% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY -0.2pp QoQ |
-1.7pp | 1.7% | 1.1% | 1.0% | 8% |
| Allowance Coverage |
25.87x
+253.8% YoY +307.2% QoQ |
+19.46x | 6.41x | 5.62x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.1% | 0.2% | 32% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.6%
+0.4pp YoY +0.1pp QoQ |
+3.2pp | 6.4% | 10.5% | 11.6% | 59% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.6% | 1.7% | 25% |
| Net Income ($, YTD) |
$409,000
+21.4% YoY — QoQ |
+$91K | $317,817 | $11.7M | $40.4M | 65% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.