BlastPoint's Banking Scorecard
The Lemont National Bank
Micro
Specialty: Mortgage
IL
FDIC cert 3693
Designations: ✓ Community bank
Lemont, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The Lemont National Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 5.02% below tier
- - Net Interest Margin 2.14% below tier
- - Nonperforming Asset Ratio 1.28% above tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$49.1M
-6.3% YoY
-1.6% QoQ
|
-$168.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$4.2M
-6.4% YoY
-5.2% QoQ
|
-$135.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$46.8M
+2.0% YoY
+3.1% QoQ
|
-$136.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
-3.94%
-509.9% YoY
-308.7% QoQ
|
-5.02% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
1.72%
+1.0% YoY
-0.4% QoQ
|
-2.14% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
286.97%
+92.9% YoY
+63.2% QoQ
|
+219.25% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? | 0.00% | -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 ? |
8.96%
-8.3% YoY
-8.1% QoQ
|
-65.56% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
30.57%
-6.3% YoY
-0.4% QoQ
|
+8.18% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
1.73%
+3.6% YoY
+1.6% QoQ
|
+1.28% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
7.56%
-65.8% YoY
-61.7% QoQ
|
-1.29% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
-7.0% YoY
+44.4% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (4)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-3.94%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.72%
(Tier avg: 3.85%, National avg: 3.75%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.73%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(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%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.57% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 7.56% · Tier avg: 8.85%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
9
9th pctile
Total Deposits
Current: $46.8M · Tier avg: $183.7M
9
9th pctile
Nonperforming Asset Ratio
Current: 1.73% · Tier avg: 0.45%
7
7th pctile
Total Assets
Current: $49.1M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $4.2M · Tier avg: $139.2M
1
1th pctile
Net Interest Margin
Current: 1.72% · Tier avg: 3.85%
0
0th pctile
Return on Assets
Current: -3.94% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -3.94% · Tier avg: 1.08%
1
1th pctile
Net Interest Margin
Current: 1.72% · Tier avg: 3.85%
2
2th pctile
Total Loans
Current: $4.2M · Tier avg: $139.2M
7
7th pctile
Total Assets
Current: $49.1M · Tier avg: $217.5M
9
9th pctile
Nonperforming Asset Ratio
Current: 1.73% · Tier avg: 0.45%
9
9th pctile
Total Deposits
Current: $46.8M · Tier avg: $183.7M
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 7.56% · Tier avg: 8.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.57% · Tier avg: 22.39%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%