BlastPoint's Banking Scorecard

First National Bank of Waterloo

$100M-$1B Specialty: Commercial IL FDIC cert 3842

Waterloo, IL

16 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 +0.7% year over year ($779.6M on the books).
Delinquency rate 1.35%.
Return on assets 0.96%.
Efficiency ratio 62.75% vs a 64.48% peer average.
Loan-to-deposit ratio 69.25% 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) →

First National Bank of Waterloo has 1 strength but faces 4 concerns

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

+ Efficiency Ratio 1.73% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 34.0% in tier
- ROA 0.36% below tier average
- Net Interest Margin 0.53% below tier average
- Delinquency Rate 0.43% above tier average

Get updates when First National Bank of Waterloo releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$929.3M +0.3% YoY -2.1% QoQ	+$542.8M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 2.7% in tier
Total Loans ?	$539.9M +3.2% YoY +1.9% QoQ	+$281.6M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 8.6% in tier
Total Deposits ?	$779.6M +0.7% YoY -1.2% QoQ	+$452.9M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 3.2% in tier
Return on Assets ?	0.96% +59.3% YoY +8.2% QoQ	-0.36%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	3.45% +16.2% YoY +4.0% QoQ	-0.53%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	25%
Efficiency Ratio ?	62.75% -12.8% YoY -1.9% QoQ	-1.73%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	49%
Delinquency Rate ?	1.35% -10.7% YoY -0.3% QoQ	+0.43%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	69.25% +2.5% YoY +3.1% QoQ	-8.70%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	70%
Non-Interest-Bearing Deposit Share ?	19.36% -4.6% YoY -0.2% QoQ	-2.67%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	42%
Nonperforming Asset Ratio ?	0.80% -26.1% YoY +2.8% QoQ	+0.13%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	27%
Tier 1 Capital Ratio ?	12.88% +2.5% YoY +2.5% QoQ	-3.03%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.29% +7.8% YoY +113.6% QoQ	-0.28%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	71%

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	19.4% -0.9pp YoY 0.0pp QoQ	-2.8pp	22.1%	20.1%	22.2%	42%
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	8.0% -1.5pp YoY +0.2pp QoQ	-3.6pp	11.6%	14.7%	12.5%	40%
CRE	49.2% +2.5pp YoY +0.3pp QoQ	+9.6pp	39.5%	37.9%	41.4%	69%
1-4 Family	33.9% -1.6pp YoY -0.9pp QoQ	+1.2pp	32.6%	28.3%	31.3%	59%
Consumer	0.8% -0.1pp YoY 0.0pp QoQ	-3.4pp	4.1%	5.4%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	12.9% +0.3pp YoY +0.3pp QoQ	-5.9pp	18.8%	19.9%	19.7%	26%
Leverage Ratio	9.2% +0.5pp YoY +0.2pp QoQ	-3.0pp	12.2%	12.2%	12.6%	15%
Total Capital Ratio	14.1% +0.3pp YoY +0.3pp QoQ	-5.8pp	19.9%	20.9%	20.8%	28%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	164 -1 (-0.6%) YoY +3 (+1.9%) QoQ	+105	58	228	482	98%
Assets per Employee ($)	$5.7M +0.9% YoY -3.8% QoQ	-$1.9M	$7.5M	$8.3M	$8.8M	26%
Branch Count	16 0 YoY 0 QoQ	+11	4	10	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.4%	0.4%	46%
Nonaccrual	1.3% -0.1pp YoY 0.0pp QoQ	+0.3pp	0.9%	1.1%	1.0%	77%
Allowance Coverage	1.18x +13.0% YoY 0.0% QoQ	-22.98x	24.15x	5.62x	20.23x	31%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	10.1% +3.2pp YoY +0.6pp QoQ	-2.1pp	12.2%	10.5%	11.6%	37%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	35%
Net Income ($, YTD)	$4.5M +60.5% YoY — QoQ	+$1.9M	$2.6M	$11.7M	$40.4M	84%

Get Full Access to First National Bank of Waterloo

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#181 of 529 • Bottom 34.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.96%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Total Assets

size

Value: $929.32M

Peer Median: $386.57M

#73 of 2643 Top 2.7% in $100M-$1B

Total Deposits

size

Value: $779.64M

Peer Median: $326.73M

#85 of 2643 Top 3.2% in $100M-$1B

228

Total Loans

size

Value: $539.92M

Peer Median: $258.35M

#228 of 2643 Top 8.6% in $100M-$1B

Top Weaknesses (1 metrics)

2085

Delinquency Rate

credit_quality

Value: 1.35%

Peer Median: 0.92%

#2085 of 2633 Bottom 20.9% in $100M-$1B