BlastPoint's Banking Scorecard

The City National Bank of Metropolis

$100M-$1B Specialty: Other IL FDIC cert 3814

Metropolis, 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 -1.8% year over year ($343.9M on the books).
Delinquency rate 1.70%.
Return on assets 0.75%.
Efficiency ratio 68.01% vs a 64.48% peer average.
Loan-to-deposit ratio 71.21% 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 City National Bank of Metropolis faces 6 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

- Flatlined Growth: Bottom 24.4% in tier
- Liquidity Overhang: Bottom 30.0% in tier
- Net Interest Margin 1.01% below tier average
- ROA 0.57% below tier average
- Efficiency Ratio 3.53% above tier average
- Delinquency Rate 0.78% above tier average

Get updates when The City National Bank of Metropolis releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$444.4M +0.6% YoY +0.5% QoQ	+$57.8M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$244.9M +8.2% YoY +4.2% QoQ	-$13.4M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	58%
Total Deposits ?	$343.9M -1.8% YoY -1.4% QoQ	+$17.2M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	62%
Return on Assets ?	0.75% -1.0% YoY +7.1% QoQ	-0.57%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	21%
Net Interest Margin ?	2.98% +10.6% YoY +0.3% QoQ	-1.01%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 9.2% in tier
Efficiency Ratio ?	68.01% +2.4% YoY -3.3% QoQ	+3.53%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	34%
Delinquency Rate ?	1.70% -10.4% YoY +16.3% QoQ	+0.78%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	71.21% +10.2% YoY +5.7% QoQ	-6.74%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	68%
Non-Interest-Bearing Deposit Share ?	16.29% +4.1% YoY -6.9% QoQ	-5.74%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	29%
Nonperforming Asset Ratio ?	0.97% -0.6% YoY +20.1% QoQ	+0.30%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	24.06% -0.2% YoY -1.6% QoQ	+8.15%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 7.7% in tier
Non-Interest Income / Assets ?	0.10% -44.0% YoY +72.0% QoQ	-0.47%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	18%

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	16.3% +0.6pp YoY -1.2pp QoQ	-5.9pp	22.1%	20.1%	22.2%	28%
Brokered Deposits	3.6% -0.8pp YoY +0.1pp QoQ	-4.3pp	7.9%	8.0%	8.5%	42%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	6.6% -1.3pp YoY 0.0pp QoQ	-4.9pp	11.6%	14.7%	12.5%	30%
CRE	24.8% -1.0pp YoY +0.2pp QoQ	-14.7pp	39.5%	37.9%	41.4%	26%
1-4 Family	56.2% +1.3pp YoY +0.1pp QoQ	+23.6pp	32.6%	28.3%	31.3%	87%
Consumer	5.1% -0.8pp YoY -0.3pp QoQ	+1.0pp	4.1%	5.4%	5.0%	77%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	24.1% 0.0pp YoY -0.4pp QoQ	+5.2pp	18.8%	19.9%	19.7%	87%
Leverage Ratio	13.8% +0.7pp YoY 0.0pp QoQ	+1.6pp	12.2%	12.2%	12.6%	80%
Total Capital Ratio	25.2% -0.2pp YoY -0.5pp QoQ	+5.2pp	19.9%	20.9%	20.8%	87%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	44 -6 (-12.0%) YoY -6 (-12.0%) QoQ	-15	58	228	482	46%
Assets per Employee ($)	$10.1M +14.3% YoY +14.2% QoQ	+$2.6M	$7.5M	$8.3M	$8.8M	86%
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	0.3% +0.3pp YoY	-0.1pp	0.3%	0.4%	0.4%	72%
Nonaccrual	1.4% -0.5pp YoY 0.0pp QoQ	+0.5pp	0.9%	1.1%	1.0%	81%
Allowance Coverage	0.69x -8.6% YoY -20.5% QoQ	-23.46x	24.15x	5.62x	20.23x	17%
Net Charge-off Rate (YTD)	0.2% -0.3pp YoY 0.0pp QoQ	0.0pp	0.1%	0.1%	0.2%	84%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	7.0% -1.1pp YoY +0.5pp QoQ	-5.1pp	12.2%	10.5%	11.6%	21%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	76%
Net Income ($, YTD)	$1.7M -1.1% YoY — QoQ	-$883K	$2.6M	$11.7M	$40.4M	46%

Get Full Access to The City National Bank of Metropolis

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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 (2)

Flatlined Growth

risk

#130 of 529 • Bottom 24.4% 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

Liquidity Overhang

risk

#224 of 742 • Bottom 30.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 24.06%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 71.21%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 (1 metrics)

205

Tier 1 Capital Ratio

capital

Value: 24.06%

Peer Median: 15.91%

#205 of 2643 Top 7.7% in $100M-$1B

Top Weaknesses (5 metrics)

2400

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.99%

#2400 of 2643 Bottom 9.2% in $100M-$1B

2208

Delinquency Rate

credit_quality

Value: 1.70%

Peer Median: 0.92%

#2208 of 2633 Bottom 16.2% in $100M-$1B

2178

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2178 of 2643 Bottom 17.6% in $100M-$1B

2090

Nonperforming Asset Ratio

credit_quality

Value: 0.97%

Peer Median: 0.67%

#2090 of 2643 Bottom 21.0% in $100M-$1B

2081

Return on Assets

profitability

Value: 0.75%

Peer Median: 1.32%

#2081 of 2643 Bottom 21.3% in $100M-$1B