BlastPoint's Banking Scorecard
The First National Bank of Assumption
Micro
Specialty: Other
IL
FDIC cert 3600
Designations: ✓ Community bank
Assumption, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The First National Bank of Assumption demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 43.05% below 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 ? |
$23.3M
+1.9% YoY
-5.3% QoQ
|
-$194.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$6.6M
+5.5% YoY
+3.0% QoQ
|
-$132.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$20.9M
+0.7% YoY
-6.1% QoQ
|
-$162.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.86%
+20.1% YoY
-8.4% QoQ
|
-0.23% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.55%
+4.3% YoY
+0.5% QoQ
|
-0.30% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
66.43%
-0.6% YoY
+3.9% QoQ
|
-1.30% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
1.25%
-16.4% YoY
-27.6% QoQ
|
+0.61% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
31.48%
+4.7% YoY
+9.7% QoQ
|
-43.05% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.48%
-4.4% YoY
-6.9% QoQ
|
+6.08% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.35%
-13.5% YoY
-21.3% QoQ
|
-0.10% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
+9.9% YoY
+168.7% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
31.48%
(Tier avg: 74.53%, National avg: 78.04%)
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
98
98th pctile
Loan-to-Deposit Ratio
Current: 31.48% · Tier avg: 74.53%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.48% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Efficiency Ratio
Current: 66.43% · Tier avg: 67.73%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
37
37th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.08%
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
3
3th pctile
Total Deposits
Current: $20.9M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $6.6M · Tier avg: $139.2M
2
2th pctile
Total Assets
Current: $23.3M · Tier avg: $217.5M
Top Weaknesses
2
2th pctile
Total Assets
Current: $23.3M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $6.6M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $20.9M · Tier avg: $183.7M
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
37
37th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.08%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
49
49th pctile
Efficiency Ratio
Current: 66.43% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.48% · Tier avg: 22.39%
98
98th pctile
Loan-to-Deposit Ratio
Current: 31.48% · Tier avg: 74.53%