BlastPoint's Banking Scorecard
FNBC Bank & Trust
Community
Specialty: Commercial
IL
FDIC cert 11306
La Grange, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
FNBC Bank & Trust demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 25.48% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 8.32% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$597.6M
+3.7% YoY
+4.2% QoQ
|
-$793.8M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$310.8M
+7.3% YoY
+3.8% QoQ
|
-$664.7M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$539.7M
+2.3% YoY
+4.2% QoQ
|
-$624.9M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.82%
+86.7% YoY
+23.2% QoQ
|
-0.34% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
2.90%
+12.8% YoY
+2.7% QoQ
|
-0.76% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
73.11%
-16.2% YoY
-3.7% QoQ
|
+10.47% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
57.58%
+4.9% YoY
-0.4% QoQ
|
-25.48% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.54%
-3.7% YoY
-2.7% QoQ
|
+10.49% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.57%
-0.0% YoY
-0.2% QoQ
|
+8.32% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.94%
+1.5% YoY
+34.1% QoQ
|
+0.20% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
57.58%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 10%
in Community
Why this stands out
Current:
18.57%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
93
93th pctile
Loan-to-Deposit Ratio
Current: 57.58% · Tier avg: 83.06%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.57% · Tier avg: 10.24%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.54% · Tier avg: 21.05%
84
84th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.74%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
21
21th pctile
Efficiency Ratio
Current: 73.11% · Tier avg: 62.63%
19
19th pctile
Total Deposits
Current: $539.7M · Tier avg: $1.2B
14
14th pctile
Total Assets
Current: $597.6M · Tier avg: $1.4B
14
14th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.66%
6
6th pctile
Total Loans
Current: $310.8M · Tier avg: $975.5M
Top Weaknesses
6
6th pctile
Total Loans
Current: $310.8M · Tier avg: $975.5M
14
14th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.66%
14
14th pctile
Total Assets
Current: $597.6M · Tier avg: $1.4B
19
19th pctile
Total Deposits
Current: $539.7M · Tier avg: $1.2B
21
21th pctile
Efficiency Ratio
Current: 73.11% · Tier avg: 62.63%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
84
84th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.74%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.54% · Tier avg: 21.05%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.57% · Tier avg: 10.24%
93
93th pctile
Loan-to-Deposit Ratio
Current: 57.58% · Tier avg: 83.06%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%