BlastPoint's Banking Scorecard
First National Bank & Trust Company
Micro
Specialty: Agricultural
IL
FDIC cert 3639
Designations: ✓ Community bank
Clinton, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First National Bank & Trust Company faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.28% below tier
- - Net Interest Margin 1.69% below tier
- - Efficiency Ratio 37.51% above tier
- - Loan-to-Deposit Ratio 36.30% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$400.4M
-0.5% YoY
-1.3% QoQ
|
+$182.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$142.0M
+19.3% YoY
-1.8% QoQ
|
+$2.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$371.4M
-3.0% YoY
-2.1% QoQ
|
+$187.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
-0.19%
-151.5% YoY
+3.4% QoQ
|
-1.28% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.16%
+7.8% YoY
+2.4% QoQ
|
-1.69% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
105.24%
+1.8% YoY
+0.9% QoQ
|
+37.51% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.12%
-33.9% YoY
-86.7% QoQ
|
-0.52% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
38.23%
+23.0% YoY
+0.4% QoQ
|
-36.30% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.26%
-2.9% YoY
+1.6% QoQ
|
-13.13% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.45%
-21.0% YoY
-48.0% QoQ
|
-0.01% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
12.80%
-6.5% YoY
+2.7% QoQ
|
+3.95% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.19%
-35.4% YoY
+41.8% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.19%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.16%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
105.24%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
38.23%
(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
93
93th pctile
Total Deposits
Current: $371.4M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $400.4M · Tier avg: $217.5M
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.80% · Tier avg: 8.85%
58
58th pctile
Total Loans
Current: $142.0M · Tier avg: $139.2M
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.26% · Tier avg: 22.39%
5
5th pctile
Loan-to-Deposit Ratio
Current: 38.23% · Tier avg: 74.53%
5
5th pctile
Return on Assets
Current: -0.19% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 105.24% · Tier avg: 67.73%
3
3th pctile
Net Interest Margin
Current: 2.16% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.16% · Tier avg: 3.85%
4
4th pctile
Efficiency Ratio
Current: 105.24% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.19% · Tier avg: 1.08%
5
5th pctile
Loan-to-Deposit Ratio
Current: 38.23% · Tier avg: 74.53%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.26% · Tier avg: 22.39%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
58
58th pctile
Total Loans
Current: $142.0M · Tier avg: $139.2M
63
63th pctile
Tier 1 Capital Ratio
Current: 12.80% · Tier avg: 8.85%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
88
88th pctile
Total Assets
Current: $400.4M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $371.4M · Tier avg: $183.7M