BlastPoint's Banking Scorecard
First Nations Bank
Community
Specialty: Commercial
IL
FDIC cert 22282
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
First Nations Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 2% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16% in Community
- - Credit Quality Pressure: Bottom 21% in Community
- - Liquidity Overhang: Bottom 25% in Community
- - Non-Interest Income / Assets 0.69% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$540.4M
+1.3% YoY
+2.9% QoQ
|
-$851.0M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$430.0M
-0.3% YoY
-0.3% QoQ
|
-$545.5M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$441.7M
-1.2% YoY
+1.5% QoQ
|
-$722.9M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
1.12%
+36.6% YoY
+5.3% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.18%
+16.4% YoY
+1.3% QoQ
|
-0.48% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
50.98%
-13.0% YoY
-3.5% QoQ
|
-11.66% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? | 0.12% | -0.51% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
97.34%
+0.9% YoY
-1.7% QoQ
|
+14.28% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
15.81%
+3.1% YoY
+3.2% QoQ
|
-5.23% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? | 0.10% | -0.40% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
16.86%
+8.6% YoY
+2.6% QoQ
|
+6.61% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.05%
+3.4% YoY
+29.9% QoQ
|
-0.69% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#9 of 371 · Top 2% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (4)
Liquidity Strain
risk
#84 of 513 · Bottom 16% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.34%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#169 of 808 · Bottom 21% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Overhang
risk
#69 of 268 · Bottom 25% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.86%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
97.34%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.05%
(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
86
86th pctile
Tier 1 Capital Ratio
Current: 16.86% · Tier avg: 10.24%
82
82th pctile
Efficiency Ratio
Current: 50.98% · Tier avg: 62.63%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.81% · Tier avg: 21.05%
24
24th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.66%
19
19th pctile
Total Loans
Current: $430.0M · Tier avg: $975.5M
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.34% · Tier avg: 83.06%
6
6th pctile
Total Assets
Current: $540.4M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $441.7M · Tier avg: $1.2B
2
2th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.74%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.74%
4
4th pctile
Total Deposits
Current: $441.7M · Tier avg: $1.2B
6
6th pctile
Total Assets
Current: $540.4M · Tier avg: $1.4B
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.34% · Tier avg: 83.06%
19
19th pctile
Total Loans
Current: $430.0M · Tier avg: $975.5M
24
24th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.66%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.81% · Tier avg: 21.05%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
82
82th pctile
Efficiency Ratio
Current: 50.98% · Tier avg: 62.63%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.86% · Tier avg: 10.24%