BlastPoint's Banking Scorecard
The First National Bank of Brownstown
Designations: ✓ Community bank
Brownstown, IL
The First National Bank of Brownstown has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.44% above tier average
- + Efficiency Ratio 32.31% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.5M
+2.5% YoY
+1.7% QoQ
|
-$3.7M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$20.3M
+0.2% YoY
-3.3% QoQ
|
-$13.9M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$52.2M
+0.9% YoY
+2.1% QoQ
|
+$504K |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
1.28%
+26.4% YoY
+38.0% QoQ
|
+0.44% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
3.60%
+11.0% YoY
+4.8% QoQ
|
-0.26% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
56.04%
-6.6% YoY
-12.6% QoQ
|
-32.31% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
1.35%
+16.9% YoY
+2.7% QoQ
|
-0.02% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
38.87%
-0.7% YoY
-5.3% QoQ
|
-25.34% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
14.80%
-9.8% YoY
-7.5% QoQ
|
-8.91% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.47%
+14.3% YoY
-2.4% QoQ
|
-0.32% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
26.40%
+8.4% YoY
+5.4% QoQ
|
-0.29% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.06%
-12.2% YoY
-78.0% QoQ
|
-0.60% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
50% |
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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.