BlastPoint's Banking Scorecard

Peoples National Bank of Kewanee

$100M-$1B Specialty: Other IL FDIC cert 926

Kewanee, IL

10 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Peoples National Bank of Kewanee faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 28.9% in tier
- Cost Spiral: Bottom 65.1% in tier
- Net Interest Margin 1.23% below tier average
- Delinquency Rate 4.26% above tier average
- Nonperforming Asset Ratio 1.04% above tier average
- ROA 0.63% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$589.0M +1.3% YoY +0.3% QoQ	+$202.9M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$170.3M +1.4% YoY -3.8% QoQ	-$85.4M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	41%
Total Deposits ?	$519.9M -0.5% YoY +0.3% QoQ	+$192.0M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	0.64% +36.8% YoY -21.9% QoQ	-0.63%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	2.70% +2.5% YoY -1.9% QoQ	-1.23%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 5.4% in tier
Efficiency Ratio ?	73.83% +8.4% YoY +19.6% QoQ	+8.54%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	24%
Delinquency Rate ?	5.15% +53.5% YoY +61.9% QoQ	+4.26%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 2.0% in tier
Loan-to-Deposit Ratio ?	32.75% +1.9% YoY -4.1% QoQ	-43.89%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 2.2% in tier
Non-Interest-Bearing Deposit Share ?	12.10% +1.3% YoY +3.9% QoQ	-9.92%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	15%
Nonperforming Asset Ratio ?	1.68% +52.0% YoY +55.5% QoQ	+1.04%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 9.3% in tier
Tier 1 Capital Ratio ?	15.11% +6.8% YoY +1.3% QoQ	-0.72%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.05% -9.6% YoY -77.2% QoQ	-0.23%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (2)

Flatlined Growth

risk

#149 of 512 • Bottom 28.9% 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: 0.64%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Cost Spiral

risk

#83 of 126 • Bottom 65.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 73.83%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 32.75%

Peer Median: 76.64%

#59 of 2664 Top 2.2% in $100M-$1B

499

Total Deposits

size

Value: $519.94M

Peer Median: $327.97M

#499 of 2664 Top 18.7% in $100M-$1B

544

Total Assets

size

Value: $589.00M

Peer Median: $386.08M

#544 of 2664 Top 20.4% in $100M-$1B

Top Weaknesses (7 metrics)

2601

Delinquency Rate

credit_quality

Value: 5.15%

Peer Median: 0.89%

#2601 of 2654 Bottom 2.0% in $100M-$1B

2520

Net Interest Margin

profitability

Value: 2.70%

Peer Median: 3.93%

#2520 of 2664 Bottom 5.4% in $100M-$1B

2416

Nonperforming Asset Ratio

credit_quality

Value: 1.68%

Peer Median: 0.64%

#2416 of 2664 Bottom 9.3% in $100M-$1B

2264

Non-Interest-Bearing Deposit Share

funding

Value: 12.10%

Peer Median: 22.02%

#2264 of 2664 Bottom 15.1% in $100M-$1B

2180

Return on Assets

profitability

Value: 0.64%

Peer Median: 1.27%

#2180 of 2664 Bottom 18.2% in $100M-$1B

2148

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2148 of 2664 Bottom 19.4% in $100M-$1B

2013

Efficiency Ratio

profitability

Value: 73.83%

Peer Median: 65.29%

#2013 of 2664 Bottom 24.5% in $100M-$1B