BlastPoint's Banking Scorecard
The First National Bank of Okawville
Designations: ✓ Community bank
Okawville, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +3.2% year over year ($58.7M on the books).
- Delinquency rate 0.11%.
- Return on assets 0.55%.
- Efficiency ratio 81.39% vs a 119.40% peer average.
- Loan-to-deposit ratio 35.68% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 38.01% below tier average
- + Delinquency Rate 1.37% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Net Interest Margin 0.93% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.3M
+3.3% YoY
-7.2% QoQ
|
+$3.8M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$20.9M
+0.8% YoY
-7.9% QoQ
|
-$14.0M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$58.7M
+3.2% YoY
-7.9% QoQ
|
+$7.1M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
0.55%
+79.5% YoY
+4.9% QoQ
|
-0.45% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
2.98%
+1.6% YoY
+0.1% QoQ
|
-0.93% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.9% in tier |
| Efficiency Ratio ? |
81.39%
-9.0% YoY
-1.1% QoQ
|
-38.01% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.11%
+4.2% QoQ
|
-1.37% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
35.68%
-2.4% YoY
+0.1% QoQ
|
-38.53% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 12.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.41%
+5.8% YoY
-2.7% QoQ
|
+8.92% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.04%
+3.4% QoQ
|
-0.80% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.55%
-41.4% YoY
+4.9% QoQ
|
-14.58% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.06%
+2.0% YoY
+91.0% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
22% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
32.4%
+1.8pp YoY -0.9pp QoQ |
+7.8pp | 24.6% | 20.1% | 22.2% | 80% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
+1.5pp YoY 0.0pp QoQ |
-5.3pp | 13.4% | 14.7% | 12.5% | 40% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
21.9%
+0.1pp YoY +1.6pp QoQ |
-13.1pp | 35.0% | 28.3% | 31.3% | 39% |
| Consumer |
3.8%
-0.3pp YoY 0.0pp QoQ |
-3.8pp | 7.7% | 5.4% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
12.5%
-0.2pp YoY +0.6pp QoQ |
-5.1pp | 17.7% | 12.2% | 12.6% | 47% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
-2 (-15.4%) YoY 0 QoQ |
-1 | 12 | 228 | 482 | 50% |
| Assets per Employee ($) |
$6.0M
+22.1% YoY -7.2% QoQ |
-$163K | $6.2M | $8.3M | $8.8M | 50% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp QoQ |
-1.6pp | 1.7% | 1.1% | 1.0% | 14% |
| Allowance Coverage |
7.33x
+4.2% QoQ |
+0.92x | 6.41x | 5.62x | 20.23x | 84% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.1%
+2.2pp YoY +0.2pp QoQ |
-1.3pp | 6.4% | 10.5% | 11.6% | 34% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.6% | 1.7% | 18% |
| Net Income ($, YTD) |
$188,000
+86.1% YoY — QoQ |
-$130K | $317,817 | $11.7M | $40.4M | 35% |
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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.