BlastPoint's Banking Scorecard
Citizens National Bank of Albion
Micro
Specialty: Agricultural
IL
FDIC cert 15760
Designations: ✓ Community bank
Albion, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Citizens National Bank of Albion demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.78% 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 ? |
$345.7M
-0.2% YoY
-1.4% QoQ
|
+$128.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$228.3M
-1.4% YoY
+1.4% QoQ
|
+$89.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$282.9M
-1.5% YoY
-1.5% QoQ
|
+$99.3M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.25%
+28.7% YoY
-1.6% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.59%
+13.7% YoY
+2.1% QoQ
|
-0.26% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
55.46%
-9.7% YoY
+3.1% QoQ
|
-12.26% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.51%
+50.5% YoY
-5.7% QoQ
|
-0.13% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
80.70%
+0.1% YoY
+2.9% QoQ
|
+6.17% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
19.62%
+5.4% YoY
+11.0% QoQ
|
-2.77% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.34%
+45.1% YoY
-3.0% QoQ
|
-0.11% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
24.63%
+4.8% YoY
-1.1% QoQ
|
+15.78% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.43%
-0.6% YoY
+35.8% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.63%
(Tier avg: 8.85%, 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
93
93th pctile
Tier 1 Capital Ratio
Current: 24.63% · Tier avg: 8.85%
81
81th pctile
Total Loans
Current: $228.3M · Tier avg: $139.2M
80
80th pctile
Total Assets
Current: $345.7M · Tier avg: $217.5M
80
80th pctile
Efficiency Ratio
Current: 55.46% · Tier avg: 67.73%
78
78th pctile
Total Deposits
Current: $282.9M · Tier avg: $183.7M
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
45
45th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.64%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.70% · Tier avg: 74.53%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.62% · Tier avg: 22.39%
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
Top Weaknesses
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.62% · Tier avg: 22.39%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.70% · Tier avg: 74.53%
45
45th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.64%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
78
78th pctile
Total Deposits
Current: $282.9M · Tier avg: $183.7M
80
80th pctile
Efficiency Ratio
Current: 55.46% · Tier avg: 67.73%
80
80th pctile
Total Assets
Current: $345.7M · Tier avg: $217.5M
81
81th pctile
Total Loans
Current: $228.3M · Tier avg: $139.2M
93
93th pctile
Tier 1 Capital Ratio
Current: 24.63% · Tier avg: 8.85%