BlastPoint's Banking Scorecard
Peoples National Bank of Kewanee
Kewanee, IL
10 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 ($517.0M on the books).
- Delinquency rate 6.26%.
- Return on assets 0.76%.
- Efficiency ratio 66.40% vs a 64.48% peer average.
- Loan-to-deposit ratio 31.17% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples National Bank of Kewanee faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.26% below tier average
- - Delinquency Rate 5.34% above tier average
- - Nonperforming Asset Ratio 1.25% above tier average
- - ROA 0.56% below tier average
- - Efficiency Ratio 1.92% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$587.6M
+2.2% YoY
-0.2% QoQ
|
+$201.1M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$161.1M
-7.7% YoY
-5.4% QoQ
|
-$97.2M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$517.0M
+0.7% YoY
-0.6% QoQ
|
+$190.2M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
0.76%
+3.7% YoY
+17.7% QoQ
|
-0.56% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
2.73%
+0.9% YoY
+1.0% QoQ
|
-1.26% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio ? |
66.40%
+4.1% YoY
-10.1% QoQ
|
+1.92% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
6.26%
+131.3% YoY
+21.6% QoQ
|
+5.34% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 1.5% in tier |
| Loan-to-Deposit Ratio ? |
31.17%
-8.3% YoY
-4.8% QoQ
|
-46.78% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 1.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.33%
+7.7% YoY
+1.9% QoQ
|
-9.70% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
15% |
| Nonperforming Asset Ratio ? |
1.92%
+97.6% YoY
+14.3% QoQ
|
+1.25% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.0% in tier |
| Tier 1 Capital Ratio ? |
15.68%
+8.7% YoY
+3.8% QoQ
|
-0.23% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.10%
-9.2% YoY
+106.9% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
19% |
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 |
12.3%
+0.9pp YoY +0.2pp QoQ |
-9.8pp | 22.1% | 20.1% | 22.2% | 15% |
| 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 |
13.2%
+0.3pp YoY +1.4pp QoQ |
+1.6pp | 11.6% | 14.7% | 12.5% | 69% |
| CRE |
53.8%
-4.0pp YoY -3.0pp QoQ |
+14.3pp | 39.5% | 37.9% | 41.4% | 76% |
| 1-4 Family |
17.9%
+2.8pp YoY +1.5pp QoQ |
-14.7pp | 32.6% | 28.3% | 31.3% | 26% |
| Consumer |
2.3%
+0.1pp YoY +0.2pp QoQ |
-1.8pp | 4.1% | 5.4% | 5.0% | 52% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.7%
+1.3pp YoY +0.6pp QoQ |
-3.1pp | 18.8% | 19.9% | 19.7% | 56% |
| Leverage Ratio |
10.9%
+0.6pp YoY +0.3pp QoQ |
-1.3pp | 12.2% | 12.2% | 12.6% | 48% |
| Total Capital Ratio |
16.4%
+1.3pp YoY +0.6pp QoQ |
-3.5pp | 19.9% | 20.9% | 20.8% | 52% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
81
-2 (-2.4%) YoY -2 (-2.4%) QoQ |
+22 | 58 | 228 | 482 | 77% |
| Assets per Employee ($) |
$7.3M
+4.7% YoY +2.2% QoQ |
-$264K | $7.5M | $8.3M | $8.8M | 56% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 10 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
6.7%
+3.5pp YoY +1.1pp QoQ |
+5.8pp | 0.9% | 1.1% | 1.0% | 99% |
| Allowance Coverage |
0.28x
-51.5% YoY -8.6% QoQ |
-23.87x | 24.15x | 5.62x | 20.23x | 3% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.7%
-1.5pp YoY +1.1pp QoQ |
-4.5pp | 12.2% | 10.5% | 11.6% | 24% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 41% |
| Net Income ($, YTD) |
$2.2M
+5.9% YoY — QoQ |
-$327K | $2.6M | $11.7M | $40.4M | 57% |
Get Full Access to Peoples National Bank of Kewanee
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.