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 6.01% below tier average
- + Delinquency Rate 1.26% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Net Interest Margin 0.88% 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
|
+$9.2M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$22.7M
-1.0% YoY
-0.1% QoQ
|
-$11.5M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$63.7M
+7.5% YoY
+6.1% QoQ
|
+$12.0M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
0.52%
+32.7% YoY
+50.2% QoQ
|
-0.31% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
2.98%
+2.2% YoY
+2.5% QoQ
|
-0.88% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
82.33%
-4.7% YoY
-6.2% QoQ
|
-6.01% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.11%
-3.8% QoQ
|
-1.26% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
35.66%
-7.9% YoY
-5.9% QoQ
|
-28.56% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 12.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.32%
-3.2% YoY
-5.9% QoQ
|
+9.61% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.04%
-8.9% QoQ
|
-0.75% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
11.96%
-40.5% YoY
-4.1% QoQ
|
-14.73% |
26.68%
+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
|
-0.63% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
23% |
Get Full Access to The First National Bank of Okawville
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.