BlastPoint's Banking Scorecard
The City National Bank of Metropolis
Metropolis, IL
2 branches across IL
The City National Bank of Metropolis faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 31.9% in tier
- - ROA 0.56% below tier average
- - Net Interest Margin 0.96% below tier average
- - Efficiency Ratio 5.08% above tier average
- - Delinquency Rate 0.58% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$442.0M
-2.1% YoY
-0.3% QoQ
|
+$55.9M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$235.0M
+7.4% YoY
+1.4% QoQ
|
-$20.7M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$348.9M
-1.3% YoY
+0.8% QoQ
|
+$20.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
0.70%
+11.9% YoY
-12.0% QoQ
|
-0.56% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
2.97%
+14.9% YoY
+6.3% QoQ
|
-0.96% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio ? |
70.37%
+1.5% YoY
+7.7% QoQ
|
+5.08% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
1.46%
-22.3% YoY
-10.5% QoQ
|
+0.58% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
67.36%
+8.7% YoY
+0.6% QoQ
|
-9.28% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
17.49%
+6.7% YoY
+8.3% QoQ
|
-4.53% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.80%
-12.5% YoY
-11.5% QoQ
|
+0.17% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
24.46%
+1.1% YoY
+0.3% QoQ
|
+8.63% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 7.0% in tier |
| Non-Interest Income / Assets ? |
0.06%
-7.2% YoY
-80.7% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
24% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.