BlastPoint's Banking Scorecard

The Litchfield National Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 3808

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 +1.2% year over year ($120.6M on the books).
Delinquency rate 0.84%.
Return on assets 0.75%.
Efficiency ratio 71.82% vs a 64.48% peer average.
Loan-to-deposit ratio 67.87% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

The Litchfield National Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 8.7% in tier
- ROA 0.58% below tier average
- Net Interest Margin 0.88% below tier average
- Efficiency Ratio 7.34% above tier average

Get updates when The Litchfield National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$135.7M -1.5% YoY -5.1% QoQ	-$250.9M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 9.8% in tier
Total Loans ?	$81.8M -0.2% YoY -0.6% QoQ	-$176.5M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 11.5% in tier
Total Deposits ?	$120.6M +1.2% YoY -2.6% QoQ	-$206.1M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 12.1% in tier
Return on Assets ?	0.75% +9.1% YoY -12.5% QoQ	-0.58%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	21%
Net Interest Margin ?	3.11% +13.0% YoY +3.6% QoQ	-0.88%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 13.1% in tier
Efficiency Ratio ?	71.82% -3.4% YoY +5.8% QoQ	+7.34%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	26%
Delinquency Rate ?	0.84% -13.3% YoY -5.4% QoQ	-0.07%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	33%
Loan-to-Deposit Ratio ?	67.87% -1.4% YoY +2.1% QoQ	-10.08%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	73%
Non-Interest-Bearing Deposit Share ?	25.87% +4.7% YoY -1.8% QoQ	+3.84%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	69%
Nonperforming Asset Ratio ?	0.57% -5.1% YoY -0.4% QoQ	-0.10%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	36%
Tier 1 Capital Ratio ?	16.10% +7.1% YoY +2.2% QoQ	+0.19%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.30% -3.8% YoY +63.3% QoQ	-0.27%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	72%

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	25.9% +1.2pp YoY -0.5pp QoQ	+3.7pp	22.1%	20.1%	22.2%	69%
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	3.3% 0.0pp YoY -0.5pp QoQ	-8.3pp	11.6%	14.7%	12.5%	11%
CRE	16.7% -1.3pp YoY -0.2pp QoQ	-22.9pp	39.5%	37.9%	41.4%	13%
1-4 Family	44.8% +4.1pp YoY +1.6pp QoQ	+12.1pp	32.6%	28.3%	31.3%	77%
Consumer	7.4% -1.0pp YoY -0.4pp QoQ	+3.3pp	4.1%	5.4%	5.0%	87%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	16.1% +1.1pp YoY +0.3pp QoQ	-2.7pp	18.8%	19.9%	19.7%	58%
Leverage Ratio	8.9% +0.2pp YoY +0.1pp QoQ	-3.2pp	12.2%	12.2%	12.6%	11%
Total Capital Ratio	17.2% +1.2pp YoY +0.4pp QoQ	-2.7pp	19.9%	20.9%	20.8%	58%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	26 0 YoY +1 (+4.0%) QoQ	-33	58	228	482	21%
Assets per Employee ($)	$5.2M -1.5% YoY -8.7% QoQ	-$2.3M	$7.5M	$8.3M	$8.8M	18%
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	0.2% +0.2pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.4%	0.4%	70%
Nonaccrual	0.6% -0.3pp YoY 0.0pp QoQ	-0.3pp	0.9%	1.1%	1.0%	58%
Allowance Coverage	1.25x +24.7% YoY +9.8% QoQ	-22.90x	24.15x	5.62x	20.23x	34%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	9.6% -0.3pp YoY -1.6pp QoQ	-2.6pp	12.2%	10.5%	11.6%	34%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	36%
Net Income ($, YTD)	$521,000 +14.0% YoY — QoQ	-$2.0M	$2.6M	$11.7M	$40.4M	11%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#47 of 529 • Bottom 8.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.75%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2386

Total Assets

size

Value: $135.66M

Peer Median: $386.57M

#2386 of 2643 Bottom 9.8% in $100M-$1B

2341

Total Loans

size

Value: $81.85M

Peer Median: $258.35M

#2341 of 2643 Bottom 11.5% in $100M-$1B

2324

Total Deposits

size

Value: $120.59M

Peer Median: $326.73M

#2324 of 2643 Bottom 12.1% in $100M-$1B

2298

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.99%

#2298 of 2643 Bottom 13.1% in $100M-$1B

2096

Return on Assets

profitability

Value: 0.75%

Peer Median: 1.32%

#2096 of 2643 Bottom 20.7% in $100M-$1B