BlastPoint's Banking Scorecard
Forest Park National Bank and Trust Company
Designations: ✓ Community bank
Forest Park, IL
Forest Park National Bank and Trust Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.87% above tier
- - Nonperforming Asset Ratio 1.54% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$318.8M
-2.1% YoY
-1.6% QoQ
|
+$101.3M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$253.8M
+4.8% YoY
+2.0% QoQ
|
+$114.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$280.8M
-2.8% YoY
-1.6% QoQ
|
+$97.1M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.82%
+78.6% YoY
-2.3% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
4.04%
+3.6% YoY
+1.8% QoQ
|
+0.18% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
78.19%
-10.7% YoY
+1.3% QoQ
|
+10.46% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
2.51%
+630.8% YoY
-8.4% QoQ
|
+1.87% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
90.40%
+7.8% YoY
+3.6% QoQ
|
+15.87% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
21.40%
-4.3% YoY
-2.0% QoQ
|
-1.00% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
2.00%
+682.2% YoY
-5.0% QoQ
|
+1.54% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
10.39%
+0.6% YoY
-1.6% QoQ
|
+1.54% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.20%
-1.3% YoY
+37.1% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
Concerns (2)
Delinquency Rate
metricDelinquency Rate is in the bottom decile (highest) of tier peers. Past-due loans are running well above peer levels - leading indicator of further charge-offs unless cured or worked out.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the bottom decile (highest) of tier peers. Problem assets are pressuring earnings and capital - watch reserve coverage and OREO trends.
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%