BlastPoint's Banking Scorecard
The First National Bank of Carmi
Carmi, IL
12 branches across IN · IL
The First National Bank of Carmi has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.31% above tier average
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 30.2% in tier
- - ROA 0.13% below tier average
- - Efficiency Ratio 0.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$632.4M
+1.9% YoY
+4.9% QoQ
|
+$246.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
83% |
| Total Loans ? |
$409.6M
-5.8% YoY
-6.2% QoQ
|
+$153.9M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
80% |
| Total Deposits ? |
$555.9M
+1.5% YoY
+5.5% QoQ
|
+$228.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
1.14%
+4.8% YoY
-3.5% QoQ
|
-0.13% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
4.25%
+1.3% YoY
-2.8% QoQ
|
+0.31% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
65.37%
-0.9% YoY
+3.7% QoQ
|
+0.08% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
0.50%
+29.0% YoY
-9.0% QoQ
|
-0.39% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
73.68%
-7.2% YoY
-11.1% QoQ
|
-2.96% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
28.35%
-3.0% YoY
+0.8% QoQ
|
+6.33% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.33%
+20.5% YoY
-17.8% QoQ
|
-0.31% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
15.74%
+12.7% YoY
+7.8% QoQ
|
-0.09% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.12%
+9.3% YoY
-78.2% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.