BlastPoint's Banking Scorecard
The First National Bank of Sparta
Sparta, IL
The First National Bank of Sparta has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 14.1% in tier
- + ROA 0.34% above tier average
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 37.6% in tier
- - Efficiency Ratio 1.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$114.2M
+8.1% YoY
+1.9% QoQ
|
-$271.9M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 4.3% in tier |
| Total Loans ? |
$47.7M
+12.0% YoY
+0.9% QoQ
|
-$208.0M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 2.7% in tier |
| Total Deposits ? |
$101.5M
+7.0% YoY
+2.5% QoQ
|
-$226.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.2% in tier |
| Return on Assets ? |
1.61%
-9.1% YoY
-30.3% QoQ
|
+0.34% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
3.89%
+4.1% YoY
+3.8% QoQ
|
-0.04% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
66.60%
+0.8% YoY
+21.2% QoQ
|
+1.31% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
0.60%
+42.4% YoY
-3.9% QoQ
|
-0.29% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
47.01%
+4.6% YoY
-1.6% QoQ
|
-29.62% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 7.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.65%
+10.0% YoY
+38.9% QoQ
|
-3.37% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.25%
+23.5% YoY
-4.8% QoQ
|
-0.39% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
25.68%
-8.3% YoY
+1.9% QoQ
|
+9.85% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 6.0% in tier |
| Non-Interest Income / Assets ? |
0.37%
+6.5% YoY
-86.4% QoQ
|
+0.09% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 4.8% in tier |
Get Full Access to The First National Bank of Sparta
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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.