BlastPoint's Banking Scorecard
The First National Bank of Litchfield
Litchfield, IL
2 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 +7.4% year over year ($131.8M on the books).
- Delinquency rate 0.13%.
- Return on assets 1.39%.
- Efficiency ratio 62.08% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Litchfield has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Efficiency Ratio 2.40% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$150.4M
+7.5% YoY
-0.5% QoQ
|
-$236.2M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.0% in tier |
| Total Loans ? |
$111.3M
+7.1% YoY
-0.2% QoQ
|
-$147.1M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$131.8M
+7.4% YoY
-0.9% QoQ
|
-$195.0M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
1.39%
+12.2% YoY
+7.2% QoQ
|
+0.07% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.73%
+3.3% YoY
+1.0% QoQ
|
-0.25% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
62.08%
-5.3% YoY
-2.8% QoQ
|
-2.40% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
0.13%
-7.9% YoY
-18.7% QoQ
|
-0.79% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
84.44%
-0.2% YoY
+0.7% QoQ
|
+6.49% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
14.67%
-12.5% YoY
-15.8% QoQ
|
-7.36% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.09%
-8.3% YoY
-18.5% QoQ
|
-0.57% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
15.11%
-0.9% YoY
-0.0% QoQ
|
-0.79% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.11%
-10.8% YoY
+128.8% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
22% |
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 |
14.7%
-2.1pp YoY -2.8pp QoQ |
-7.5pp | 22.1% | 20.1% | 22.2% | 22% |
| 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 |
14.9%
+2.4pp YoY -1.8pp QoQ |
+3.3pp | 11.6% | 14.7% | 12.5% | 75% |
| CRE |
12.7%
+0.1pp YoY +0.2pp QoQ |
-26.9pp | 39.5% | 37.9% | 41.4% | 8% |
| 1-4 Family |
22.7%
+1.7pp YoY +1.5pp QoQ |
-9.9pp | 32.6% | 28.3% | 31.3% | 36% |
| Consumer |
3.7%
0.0pp YoY +0.1pp QoQ |
-0.4pp | 4.1% | 5.4% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.1%
-0.2pp YoY 0.0pp QoQ |
-3.7pp | 18.8% | 19.9% | 19.7% | 50% |
| Leverage Ratio |
11.5%
-0.3pp YoY -0.1pp QoQ |
-0.7pp | 12.2% | 12.2% | 12.6% | 58% |
| Total Capital Ratio |
16.3%
-0.2pp YoY 0.0pp QoQ |
-3.6pp | 19.9% | 20.9% | 20.8% | 51% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
-2 (-8.0%) YoY -1 (-4.2%) QoQ |
-36 | 58 | 228 | 482 | 15% |
| Assets per Employee ($) |
$6.5M
+16.9% YoY +3.9% QoQ |
-$981K | $7.5M | $8.3M | $8.8M | 44% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 23% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.1% | 1.0% | 20% |
| Allowance Coverage |
9.83x
+4.6% YoY +24.8% QoQ |
-14.32x | 24.15x | 5.62x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 32% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.9%
+1.2pp YoY +0.9pp QoQ |
+0.7pp | 12.2% | 10.5% | 11.6% | 55% |
| Cost of Funds (YTD) |
2.0%
+0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 70% |
| Net Income ($, YTD) |
$1.0M
+22.7% YoY — QoQ |
-$1.5M | $2.6M | $11.7M | $40.4M | 27% |
Get Full Access to The First National Bank of Litchfield
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.