BlastPoint's Banking Scorecard
The First National Bank of Carmi
Carmi, IL
12 branches across IN · 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 +4.7% year over year ($545.5M on the books).
- Delinquency rate 0.35%.
- Return on assets 1.19%.
- Efficiency ratio 64.53% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.47% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Carmi has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency Ratio 0.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$622.2M
+4.7% YoY
-1.6% QoQ
|
+$235.6M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$422.6M
-5.0% YoY
+3.2% QoQ
|
+$164.3M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
81% |
| Total Deposits ? |
$545.5M
+4.7% YoY
-1.9% QoQ
|
+$218.8M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
1.19%
+8.6% YoY
+4.4% QoQ
|
-0.13% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
4.34%
+1.6% YoY
+2.2% QoQ
|
+0.35% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
64.53%
+1.5% YoY
-1.3% QoQ
|
+0.05% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
0.35%
-55.9% YoY
-29.2% QoQ
|
-0.57% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
77.47%
-9.3% YoY
+5.1% QoQ
|
-0.49% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
26.24%
-10.0% YoY
-7.5% QoQ
|
+4.21% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.24%
-60.0% YoY
-26.5% QoQ
|
-0.43% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
11.42%
-17.0% YoY
-27.5% QoQ
|
-4.49% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.24%
-20.8% YoY
+99.0% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
61% |
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 |
26.2%
-2.9pp YoY -2.1pp QoQ |
+4.1pp | 22.1% | 20.1% | 22.2% | 71% |
| 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 |
20.3%
-2.4pp YoY -0.4pp QoQ |
+8.8pp | 11.6% | 14.7% | 12.5% | 89% |
| CRE |
45.6%
+0.1pp YoY -0.7pp QoQ |
+6.1pp | 39.5% | 37.9% | 41.4% | 63% |
| 1-4 Family |
10.3%
+0.6pp YoY +0.3pp QoQ |
-22.3pp | 32.6% | 28.3% | 31.3% | 12% |
| Consumer |
0.5%
-0.1pp YoY 0.0pp QoQ |
-3.6pp | 4.1% | 5.4% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
11.4%
+0.4pp YoY +0.1pp QoQ |
-0.8pp | 12.2% | 12.2% | 12.6% | 57% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
102
-2 (-1.9%) YoY -1 (-1.0%) QoQ |
+43 | 58 | 228 | 482 | 88% |
| Assets per Employee ($) |
$6.1M
+6.7% YoY -0.6% QoQ |
-$1.4M | $7.5M | $8.3M | $8.8M | 35% |
| Branch Count |
12
0 YoY 0 QoQ |
+7 | 4 | 10 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.4pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 1.1% | 1.0% | 43% |
| Allowance Coverage |
3.93x
+118.5% YoY +43.1% QoQ |
-20.22x | 24.15x | 5.62x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY -0.1pp QoQ |
-0.3pp | 0.1% | 0.1% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
+0.4pp YoY +0.4pp QoQ |
-2.2pp | 12.2% | 10.5% | 11.6% | 37% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 35% |
| Net Income ($, YTD) |
$3.7M
+11.8% YoY — QoQ |
+$1.1M | $2.6M | $11.7M | $40.4M | 77% |
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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.