BlastPoint's Banking Scorecard
The First National Bank of Okawville
Designations: ✓ Community bank
Okawville, IL
The First National Bank of Okawville has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.30% below tier average
- + Delinquency Rate 1.25% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Net Interest Margin 0.89% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.4M
+7.3% YoY
+5.5% QoQ
|
+$9.1M |
$62.3M
-0.5% YoY
|
$2.3B
+4.2% YoY
|
$6.2B
+9.0% YoY
|
59% |
| Total Loans ? |
$22.7M
-1.0% YoY
-0.1% QoQ
|
-$11.6M |
$34.3M
-1.5% YoY
|
$1.2B
+5.0% YoY
|
$3.2B
+10.7% YoY
|
33% |
| Total Deposits ? |
$63.7M
+7.5% YoY
+6.1% QoQ
|
+$11.9M |
$51.8M
-0.6% YoY
|
$1.9B
+3.6% YoY
|
$4.8B
+8.0% YoY
|
65% |
| Return on Assets ? |
0.52%
+32.7% YoY
+50.2% QoQ
|
-0.33% |
0.86%
-3.6% YoY
|
1.04%
+2.4% YoY
|
1.24%
+13.1% YoY
|
30% |
| Net Interest Margin ? |
2.98%
+2.2% YoY
+2.5% QoQ
|
-0.89% |
3.87%
+2.7% YoY
|
3.61%
+7.3% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
82.33%
-4.7% YoY
-6.2% QoQ
|
-5.30% |
87.63%
+2.3% YoY
|
63.68%
-7.1% YoY
|
66.84%
-3.8% YoY
|
32% |
| Delinquency Rate ? |
0.11%
-3.8% QoQ
|
-1.25% |
1.36%
+33.7% YoY
|
1.15%
+15.2% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
35.66%
-7.9% YoY
-5.9% QoQ
|
-28.45% |
64.11%
-0.9% YoY
|
71.92%
+0.7% YoY
|
76.69%
+0.9% YoY
|
Top 12.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.32%
-3.2% YoY
-5.9% QoQ
|
+9.53% |
23.79%
+0.5% YoY
|
20.45%
-1.0% YoY
|
22.01%
-1.1% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.04%
-8.9% QoQ
|
-0.74% |
0.77%
+28.7% YoY
|
0.78%
+18.6% YoY
|
0.66%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
11.96%
-40.5% YoY
-4.1% QoQ
|
-14.81% |
26.77%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.03%
-10.9% YoY
-69.3% QoQ
|
-0.64% |
0.67%
+1.6% YoY
|
0.34%
+6.6% YoY
|
0.32%
+4.0% YoY
|
23% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.