BlastPoint's Banking Scorecard
Albank National Association
Community
Specialty: Commercial
IL
FDIC cert 17230
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Albank National Association 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
- - Capital Thin: Bottom 30% in Community
- - Non-Interest Income / Assets 0.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$729.6M
+2.5% YoY
+0.3% QoQ
|
-$661.9M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$540.1M
-6.1% YoY
-2.7% QoQ
|
-$435.4M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$601.8M
+2.4% YoY
+0.5% QoQ
|
-$562.8M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.86%
-1.5% YoY
+27.8% QoQ
|
-0.31% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.03%
+2.0% YoY
+2.5% QoQ
|
-0.63% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
58.64%
+2.9% YoY
-8.8% QoQ
|
-3.99% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
1.90%
+3.3% QoQ
|
+1.27% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
89.74%
-8.3% YoY
-3.2% QoQ
|
+6.67% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
22.06%
-7.2% YoY
-9.2% QoQ
|
+1.02% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
1.41%
+0.2% QoQ
|
+0.91% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.11%
-2.2% YoY
+30.5% QoQ
|
-0.63% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#131 of 432 · Bottom 30% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.11%
(Tier avg: 0.74%, National avg: 0.65%)
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
65
65th pctile
Loan-to-Deposit Ratio
Current: 89.74% · Tier avg: 83.06%
62
62th pctile
Efficiency Ratio
Current: 58.64% · Tier avg: 62.63%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.06% · Tier avg: 21.05%
36
36th pctile
Total Loans
Current: $540.1M · Tier avg: $975.5M
30
30th pctile
Total Assets
Current: $729.6M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.16%
28
28th pctile
Total Deposits
Current: $601.8M · Tier avg: $1.2B
19
19th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.41% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.90% · Tier avg: 0.63%
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
11
11th pctile
Delinquency Rate
Current: 1.90% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.41% · Tier avg: 0.50%
19
19th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
28
28th pctile
Total Deposits
Current: $601.8M · Tier avg: $1.2B
29
29th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Assets
Current: $729.6M · Tier avg: $1.4B
36
36th pctile
Total Loans
Current: $540.1M · Tier avg: $975.5M
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.06% · Tier avg: 21.05%
62
62th pctile
Efficiency Ratio
Current: 58.64% · Tier avg: 62.63%
65
65th pctile
Loan-to-Deposit Ratio
Current: 89.74% · Tier avg: 83.06%