BlastPoint's Banking Scorecard
First National Bank of Brookfield
Micro
Specialty: Commercial
IL
FDIC cert 18564
Designations: ✓ Community bank
Brookfield, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First National Bank of Brookfield has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.49% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 39.02% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$410.2M
+14.5% YoY
+2.0% QoQ
|
+$192.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$367.3M
+19.0% YoY
+5.1% QoQ
|
+$228.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$323.4M
+16.3% YoY
+1.8% QoQ
|
+$139.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.61%
-5.5% YoY
-0.4% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.29%
-1.5% YoY
+0.8% QoQ
|
+0.44% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
46.24%
+7.7% YoY
+1.4% QoQ
|
-21.49% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.18%
-15.2% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
113.55%
+2.3% YoY
+3.2% QoQ
|
+39.02% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.09%
-13.5% YoY
+0.1% QoQ
|
-6.31% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.16%
-12.7% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
13.26%
-7.4% YoY
-2.6% QoQ
|
+4.41% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.24%
-2.9% YoY
+39.0% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.24%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
113.55%
(Tier avg: 74.53%, National avg: 78.04%)
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
99
99th pctile
Total Loans
Current: $367.3M · Tier avg: $139.2M
94
94th pctile
Efficiency Ratio
Current: 46.24% · Tier avg: 67.73%
90
90th pctile
Total Assets
Current: $410.2M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $323.4M · Tier avg: $183.7M
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
72
72th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.85%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.26% · Tier avg: 8.85%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.09% · Tier avg: 22.39%
3
3th pctile
Loan-to-Deposit Ratio
Current: 113.55% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 113.55% · Tier avg: 74.53%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.09% · Tier avg: 22.39%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.26% · Tier avg: 8.85%
72
72th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.85%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
85
85th pctile
Total Deposits
Current: $323.4M · Tier avg: $183.7M
90
90th pctile
Total Assets
Current: $410.2M · Tier avg: $217.5M
94
94th pctile
Efficiency Ratio
Current: 46.24% · Tier avg: 67.73%
99
99th pctile
Total Loans
Current: $367.3M · Tier avg: $139.2M