BlastPoint's Banking Scorecard
The First National Bank of Raymond
Raymond, IL
5 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 +2.8% year over year ($172.3M on the books).
- Delinquency rate 0.43%.
- Return on assets 1.33%.
- Efficiency ratio 65.12% vs a 64.48% peer average.
- Loan-to-deposit ratio 47.37% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Raymond has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.36% below tier average
- - Efficiency Ratio 0.64% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$187.1M
+4.6% YoY
+1.3% QoQ
|
-$199.5M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$81.6M
+2.8% YoY
-10.8% QoQ
|
-$176.7M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.4% in tier |
| Total Deposits ? |
$172.3M
+2.8% YoY
+1.4% QoQ
|
-$154.4M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
1.33%
+21.0% YoY
-6.1% QoQ
|
+0.01% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
3.62%
+3.1% YoY
-0.8% QoQ
|
-0.36% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
65.12%
-5.9% YoY
+2.5% QoQ
|
+0.64% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.43%
-48.3% YoY
-3.3% QoQ
|
-0.49% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
47.37%
-0.0% YoY
-12.1% QoQ
|
-30.58% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 7.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.86%
+11.3% YoY
+0.8% QoQ
|
+9.83% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Top 14.6% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-56.0% YoY
-14.9% QoQ
|
-0.48% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
10.91%
+1.4% YoY
-0.2% QoQ
|
-4.99% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.16%
+6.5% YoY
+74.3% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
37% |
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 |
31.9%
+3.2pp YoY +0.3pp QoQ |
+9.7pp | 22.1% | 20.1% | 22.2% | 85% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
4.3%
-1.1pp YoY -5.0pp QoQ |
-7.3pp | 11.6% | 14.7% | 12.5% | 16% |
| CRE |
17.3%
+1.8pp YoY -4.2pp QoQ |
-22.2pp | 39.5% | 37.9% | 41.4% | 14% |
| 1-4 Family |
16.5%
+0.1pp YoY +2.3pp QoQ |
-16.1pp | 32.6% | 28.3% | 31.3% | 22% |
| Consumer |
2.8%
0.0pp YoY +0.4pp QoQ |
-1.3pp | 4.1% | 5.4% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
10.9%
+0.1pp YoY 0.0pp QoQ |
-1.3pp | 12.2% | 12.2% | 12.6% | 49% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
37
+3 (+8.8%) YoY +4 (+12.1%) QoQ |
-22 | 58 | 228 | 482 | 37% |
| Assets per Employee ($) |
$5.1M
-3.9% YoY -9.7% QoQ |
-$2.5M | $7.5M | $8.3M | $8.8M | 15% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.4pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 1.1% | 1.0% | 49% |
| Allowance Coverage |
3.03x
+113.5% YoY +21.1% QoQ |
-21.12x | 24.15x | 5.62x | 20.23x | 59% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY |
-0.2pp | 0.1% | 0.1% | 0.2% | 3% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.7%
-1.6pp YoY -1.1pp QoQ |
+5.5pp | 12.2% | 10.5% | 11.6% | 81% |
| Cost of Funds (YTD) |
0.9%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.6% | 1.7% | 9% |
| Net Income ($, YTD) |
$1.2M
+26.2% YoY — QoQ |
-$1.3M | $2.6M | $11.7M | $40.4M | 34% |
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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.