BlastPoint's Banking Scorecard
The First National Bank in Amboy
Micro
Specialty: Agricultural
IL
FDIC cert 14674
Designations: ✓ Community bank
Amboy, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The First National Bank in Amboy shows strong momentum with 2 strengths and 6.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$313.7M
+6.6% YoY
+1.2% QoQ
|
+$96.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$130.7M
+9.7% YoY
+6.8% QoQ
|
-$8.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$258.9M
-2.8% YoY
-0.1% QoQ
|
+$75.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.85%
-2.6% YoY
+2.1% QoQ
|
-0.23% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.32%
+7.7% YoY
+0.7% QoQ
|
-0.53% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
73.48%
+1.2% YoY
-0.2% QoQ
|
+5.76% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
50.49%
+12.8% YoY
+6.9% QoQ
|
-24.04% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.00%
+1.9% YoY
+5.6% QoQ
|
-1.40% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.37%
-22.6% YoY
+36.5% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.49% · Tier avg: 74.53%
75
75th pctile
Total Assets
Current: $313.7M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $258.9M · Tier avg: $183.7M
54
54th pctile
Total Loans
Current: $130.7M · Tier avg: $139.2M
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.00% · Tier avg: 22.39%
37
37th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
32
32th pctile
Efficiency Ratio
Current: 73.48% · Tier avg: 67.73%
26
26th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.85%
Top Weaknesses
26
26th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.85%
32
32th pctile
Efficiency Ratio
Current: 73.48% · Tier avg: 67.73%
37
37th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.00% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
54
54th pctile
Total Loans
Current: $130.7M · Tier avg: $139.2M
73
73th pctile
Total Deposits
Current: $258.9M · Tier avg: $183.7M
75
75th pctile
Total Assets
Current: $313.7M · Tier avg: $217.5M
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.49% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%