BlastPoint's Banking Scorecard
First National Bank in Pinckneyville
Micro
Specialty: Other
IL
FDIC cert 13813
Designations: ✓ Community bank
Pinckneyville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First National Bank in Pinckneyville demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.63% above tier
- + Efficiency Ratio 22.65% below tier
- + Non-Interest Income / Assets 1.24% 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 ? |
$137.8M
-0.1% YoY
-1.3% QoQ
|
-$79.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$64.3M
+14.2% YoY
+2.7% QoQ
|
-$74.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$124.2M
-2.8% YoY
+3.0% QoQ
|
-$59.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
2.71%
+151.5% YoY
-15.9% QoQ
|
+1.63% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.01%
+10.2% YoY
+1.5% QoQ
|
+0.15% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
45.08%
-33.8% YoY
+9.6% QoQ
|
-22.65% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
1.82%
+18.3% YoY
+14.3% QoQ
|
+1.18% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
51.79%
+17.5% YoY
-0.3% QoQ
|
-22.74% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.29%
+13.1% YoY
+7.2% QoQ
|
-1.10% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.85%
+35.3% YoY
+18.9% QoQ
|
+0.40% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
21.99%
-4.4% YoY
-12.8% QoQ
|
+13.14% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
1.81%
+387.8% YoY
+5.2% QoQ
|
+1.24% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.71%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.08%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.81%
(Tier avg: 0.56%, National avg: 0.65%)
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
97
97th pctile
Return on Assets
Current: 2.71% · Tier avg: 1.08%
97
97th pctile
Non-Interest Income / Assets
Current: 1.81% · Tier avg: 0.56%
95
95th pctile
Efficiency Ratio
Current: 45.08% · Tier avg: 67.73%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.99% · Tier avg: 8.85%
58
58th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.85%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.29% · Tier avg: 22.39%
37
37th pctile
Total Deposits
Current: $124.2M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $137.8M · Tier avg: $217.5M
26
26th pctile
Total Loans
Current: $64.3M · Tier avg: $139.2M
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.82% · Tier avg: 0.64%
14
14th pctile
Loan-to-Deposit Ratio
Current: 51.79% · Tier avg: 74.53%
Top Weaknesses
14
14th pctile
Loan-to-Deposit Ratio
Current: 51.79% · Tier avg: 74.53%
15
15th pctile
Delinquency Rate
Current: 1.82% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
26
26th pctile
Total Loans
Current: $64.3M · Tier avg: $139.2M
34
34th pctile
Total Assets
Current: $137.8M · Tier avg: $217.5M
37
37th pctile
Total Deposits
Current: $124.2M · Tier avg: $183.7M
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.29% · Tier avg: 22.39%
58
58th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.85%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.99% · Tier avg: 8.85%
95
95th pctile
Efficiency Ratio
Current: 45.08% · Tier avg: 67.73%
97
97th pctile
Non-Interest Income / Assets
Current: 1.81% · Tier avg: 0.56%
97
97th pctile
Return on Assets
Current: 2.71% · Tier avg: 1.08%