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The First National Bank of Sparta

$100M-$1B Specialty: Other IL FDIC cert 3837

Sparta, 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 +9.2% year over year ($101.1M on the books).
  • Delinquency rate 0.56%.
  • Return on assets 1.95%.
  • Efficiency ratio 62.48% vs a 64.48% peer average.
  • Loan-to-deposit ratio 48.68% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

The First National Bank of Sparta has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 12.1% in tier
  • + Profitability Leader: Top 35.5% in tier
  • + Efficiency Ratio 2.00% below tier average
  • + Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 36.9% in tier
Get updates when The First National Bank of Sparta releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $114.6M
+10.2% YoY +0.4% QoQ
-$272.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 3.9% in tier
Total Loans ? $49.2M
+12.4% YoY +3.1% QoQ
-$209.1M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 2.8% in tier
Total Deposits ? $101.1M
+9.2% YoY -0.4% QoQ
-$225.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 5.8% in tier
Return on Assets ? 1.95%
+22.9% YoY +21.1% QoQ
+0.63% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 14.2% in tier
Net Interest Margin ? 4.01%
+7.4% YoY +3.3% QoQ
+0.03% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
54%
Efficiency Ratio ? 62.48%
-8.5% YoY -6.2% QoQ
-2.00% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.56%
+44.2% YoY -6.4% QoQ
-0.36% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
43%
Loan-to-Deposit Ratio ? 48.68%
+2.9% YoY +3.6% QoQ
-29.27% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 7.7% in tier
Non-Interest-Bearing Deposit Share ? 19.07%
+16.3% YoY +2.2% QoQ
-2.96% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.24%
+22.0% YoY -3.8% QoQ
-0.43% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 25.89%
-7.7% YoY +0.8% QoQ
+9.98% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 6.2% in tier
Non-Interest Income / Assets ? 0.75%
+5.5% YoY +100.2% QoQ
+0.18% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 5.3% in tier

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 19.1%
+2.7pp YoY
+0.4pp QoQ
 -3.1pp 22.1% 20.1% 22.2% 40%
Brokered Deposits 4.9%
+1.7pp YoY
0.0pp QoQ
 -2.9pp 7.9% 8.0% 8.5% 51%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 12.3%
-2.0pp YoY
-2.6pp QoQ
 +0.7pp 11.6% 14.7% 12.5% 65%
CRE 12.0%
+1.3pp YoY
+2.0pp QoQ
 -27.6pp 39.5% 37.9% 41.4% 7%
1-4 Family 40.7%
-1.2pp YoY
-0.2pp QoQ
 +8.1pp 32.6% 28.3% 31.3% 71%
Consumer 26.4%
+1.3pp YoY
-0.4pp QoQ
 +22.3pp 4.1% 5.4% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 25.9%
-2.2pp YoY
+0.2pp QoQ
 +7.1pp 18.8% 19.9% 19.7% 90%
Leverage Ratio 12.6%
-0.4pp YoY
+0.1pp QoQ
 +0.5pp 12.2% 12.2% 12.6% 72%
Total Capital Ratio 27.0%
-2.3pp YoY
+0.1pp QoQ
 +7.0pp 19.9% 20.9% 20.8% 90%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 21
+1 (+5.0%) YoY
+3 (+16.7%) QoQ
 -38 58 228 482 12%
Assets per Employee ($) $5.5M
+5.0% YoY
-14.0% QoQ
 -$2.1M $7.5M $8.3M $8.8M 22%
Branch Count 1
0 YoY
0 QoQ
 -4 4 10 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.4%
0.0pp YoY
0.0pp QoQ
 +0.1pp 0.3% 0.4% 0.4% 78%
Nonaccrual 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 27%
Allowance Coverage 2.19x
-36.8% YoY
-0.3% QoQ
 -21.96x 24.15x 5.62x 20.23x 50%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 18.1%
+1.2pp YoY
+3.0pp QoQ
 +5.9pp 12.2% 10.5% 11.6% 82%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 30%
Net Income ($, YTD) $1.1M
+33.9% YoY
— QoQ
 -$1.4M $2.6M $11.7M $40.4M 30%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#81 of 661 • Top 12.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.75%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.95%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#236 of 661 • Top 35.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.95%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (1)

Credit Quality Pressure

risk
#465 of 1256 • Bottom 36.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.56%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

141
Non-Interest Income / Assets
revenue_mix
Value: 0.75%
Peer Median: 0.57%
#141 of 2643 Top 5.3% in $100M-$1B
164
Tier 1 Capital Ratio
capital
Value: 25.89%
Peer Median: 15.91%
#164 of 2643 Top 6.2% in $100M-$1B
205
Loan-to-Deposit Ratio
liquidity
Value: 48.68%
Peer Median: 77.95%
#205 of 2643 Top 7.7% in $100M-$1B
375
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.32%
#375 of 2643 Top 14.2% in $100M-$1B

Top Weaknesses (3 metrics)

2570
Total Loans
size
Value: $49.22M
Peer Median: $258.35M
#2570 of 2643 Bottom 2.8% in $100M-$1B
2540
Total Assets
size
Value: $114.58M
Peer Median: $386.57M
#2540 of 2643 Bottom 3.9% in $100M-$1B
2492
Total Deposits
size
Value: $101.09M
Peer Median: $326.73M
#2492 of 2643 Bottom 5.8% in $100M-$1B
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