BlastPoint's Banking Scorecard
The FNB Community Bank
Vandalia, IL
7 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 -3.4% year over year ($423.1M on the books).
- Delinquency rate 0.79%.
- Return on assets 1.29%.
- Efficiency ratio 58.94% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.26% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The FNB Community Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.54% below tier average
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 41.5% in tier
- - Net Interest Margin 0.28% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$498.9M
+2.6% YoY
+1.3% QoQ
|
+$112.3M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$305.7M
+15.5% YoY
+2.7% QoQ
|
+$47.4M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$423.1M
-3.4% YoY
-2.4% QoQ
|
+$96.4M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
1.29%
+39.2% YoY
+14.0% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.70%
+14.2% YoY
+3.0% QoQ
|
-0.28% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
58.94%
-7.5% YoY
-4.9% QoQ
|
-5.54% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.79%
+820.5% QoQ
|
-0.13% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
72.26%
+19.5% YoY
+5.2% QoQ
|
-5.70% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
18.59%
+2.0% YoY
+0.3% QoQ
|
-3.44% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.49%
+506.6% YoY
+645.4% QoQ
|
-0.18% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
17.80%
-1.9% YoY
+1.4% QoQ
|
+1.90% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.40%
+10.8% YoY
+124.0% QoQ
|
-0.16% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 14.6% in tier |
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 |
18.6%
+0.4pp YoY 0.0pp QoQ |
-3.6pp | 22.1% | 20.1% | 22.2% | 38% |
| 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 |
9.5%
+3.8pp YoY -0.7pp QoQ |
-2.0pp | 11.6% | 14.7% | 12.5% | 50% |
| CRE |
31.0%
-1.6pp YoY +0.5pp QoQ |
-8.6pp | 39.5% | 37.9% | 41.4% | 36% |
| 1-4 Family |
25.3%
+0.3pp YoY +0.8pp QoQ |
-7.4pp | 32.6% | 28.3% | 31.3% | 41% |
| Consumer |
1.6%
-0.7pp YoY -0.1pp QoQ |
-2.5pp | 4.1% | 5.4% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.8%
-0.3pp YoY +0.2pp QoQ |
-1.0pp | 18.8% | 19.9% | 19.7% | 68% |
| Leverage Ratio |
12.6%
+0.5pp YoY +0.2pp QoQ |
+0.4pp | 12.2% | 12.2% | 12.6% | 71% |
| Total Capital Ratio |
18.8%
-0.3pp YoY +0.3pp QoQ |
-1.1pp | 19.9% | 20.9% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
85
0 YoY 0 QoQ |
+26 | 58 | 228 | 482 | 80% |
| Assets per Employee ($) |
$5.9M
+2.6% YoY +1.3% QoQ |
-$1.6M | $7.5M | $8.3M | $8.8M | 31% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 10 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.8%
+0.7pp YoY +0.7pp QoQ |
+0.5pp | 0.3% | 0.4% | 0.4% | 89% |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage |
1.46x
-91.3% YoY -89.1% QoQ |
-22.69x | 24.15x | 5.62x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 55% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+2.3pp YoY +1.5pp QoQ |
+0.9pp | 12.2% | 10.5% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 32% |
| Net Income ($, YTD) |
$3.2M
+44.6% YoY — QoQ |
+$637K | $2.6M | $11.7M | $40.4M | 72% |
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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 (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.