BlastPoint's Banking Scorecard
The First National Bank of Lacon
Micro
Specialty: Agricultural
IL
FDIC cert 3688
Designations: ✓ Community bank
Lacon, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The First National Bank of Lacon has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$96.0M
-4.4% YoY
-4.4% QoQ
|
-$121.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$66.3M
+12.5% YoY
-1.0% QoQ
|
-$72.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$87.8M
-6.1% YoY
-5.0% QoQ
|
-$95.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.00%
-8.5% YoY
+5.8% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.76%
+1.9% YoY
+2.1% QoQ
|
-0.09% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
69.42%
+1.6% YoY
-0.7% QoQ
|
+1.70% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.48%
+19.7% YoY
+4.2% QoQ
|
+0.95% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
19.92%
-17.2% YoY
+27.4% QoQ
|
-2.47% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.02%
-1.9% YoY
+7.0% QoQ
|
+3.17% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.06%
-15.2% YoY
+53.0% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.02% · Tier avg: 8.85%
49
49th pctile
Loan-to-Deposit Ratio
Current: 75.48% · Tier avg: 74.53%
48
48th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
46
46th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.08%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 19.92% · Tier avg: 22.39%
41
41th pctile
Efficiency Ratio
Current: 69.42% · Tier avg: 67.73%
27
27th pctile
Total Loans
Current: $66.3M · Tier avg: $139.2M
24
24th pctile
Total Deposits
Current: $87.8M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $96.0M · Tier avg: $217.5M
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
21
21th pctile
Total Assets
Current: $96.0M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $87.8M · Tier avg: $183.7M
27
27th pctile
Total Loans
Current: $66.3M · Tier avg: $139.2M
41
41th pctile
Efficiency Ratio
Current: 69.42% · Tier avg: 67.73%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 19.92% · Tier avg: 22.39%
46
46th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.08%
48
48th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
49
49th pctile
Loan-to-Deposit Ratio
Current: 75.48% · Tier avg: 74.53%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.02% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%