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The Litchfield National Bank

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

Litchfield, IL

2 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

The Litchfield National Bank faces 3 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - ROA 0.42% below tier average
  • - Net Interest Margin 0.93% below tier average
  • - Efficiency Ratio 2.63% above tier average
Get updates when The Litchfield National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $142.9M
+8.8% YoY +1.9% QoQ
-$243.2M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
Bottom 12.1% in tier
Total Loans ? $82.3M
+2.7% YoY -0.8% QoQ
-$173.4M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
Bottom 12.2% in tier
Total Deposits ? $123.9M
+7.7% YoY +1.9% QoQ
-$204.1M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
Bottom 13.1% in tier
Return on Assets ? 0.85%
+65.1% YoY +31.0% QoQ
-0.42% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
29%
Net Interest Margin ? 3.00%
+9.6% YoY +4.5% QoQ
-0.93% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
Bottom 11.7% in tier
Efficiency Ratio ? 67.91%
-11.9% YoY -8.4% QoQ
+2.63% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
37%
Delinquency Rate ? 0.89%
-8.8% YoY -6.6% QoQ
+0.01% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
31%
Loan-to-Deposit Ratio ? 66.49%
-4.7% YoY -2.6% QoQ
-10.15% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
73%
Non-Interest-Bearing Deposit Share ? 26.35%
-1.0% YoY +1.4% QoQ
+4.33% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
71%
Nonperforming Asset Ratio ? 0.57%
-4.9% YoY -3.1% QoQ
-0.07% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
34%
Tier 1 Capital Ratio ? 15.76%
+4.6% YoY +0.7% QoQ
-0.07% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.18%
+78.4% YoY -64.2% QoQ
-0.10% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
82%

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 (0)

No matched concern signatures this quarter

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

475
Non-Interest Income / Assets
revenue_mix
Value: 0.18%
Peer Median: 0.28%
#475 of 2664 Top 17.8% in $100M-$1B

Top Weaknesses (4 metrics)

2354
Net Interest Margin
profitability
Value: 3.00%
Peer Median: 3.93%
#2354 of 2664 Bottom 11.7% in $100M-$1B
2343
Total Assets
size
Value: $142.92M
Peer Median: $386.08M
#2343 of 2664 Bottom 12.1% in $100M-$1B
2340
Total Loans
size
Value: $82.35M
Peer Median: $255.72M
#2340 of 2664 Bottom 12.2% in $100M-$1B
2317
Total Deposits
size
Value: $123.86M
Peer Median: $327.97M
#2317 of 2664 Bottom 13.1% in $100M-$1B
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