BlastPoint's Banking Scorecard
First National Bank of Pana
Micro
Specialty: Commercial
IL
FDIC cert 3720
Designations: ✓ Community bank
Pana, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First National Bank of Pana shows strong momentum with 1 strength and 16.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.77% 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 ? |
$392.1M
+16.1% YoY
+2.6% QoQ
|
+$174.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$279.8M
+8.9% YoY
+2.5% QoQ
|
+$140.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$348.7M
+15.9% YoY
+2.2% QoQ
|
+$165.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.97%
+18.3% YoY
+1.3% QoQ
|
+0.88% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
3.71%
+2.9% YoY
-0.5% QoQ
|
-0.15% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
45.95%
-11.3% YoY
-1.4% QoQ
|
-21.77% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.18%
+439.1% YoY
-6.4% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
80.23%
-6.1% YoY
+0.2% QoQ
|
+5.70% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
22.06%
-13.1% YoY
-4.3% QoQ
|
-0.33% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.13%
+341.9% YoY
-6.4% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
63% |
| 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 ? |
0.50%
-1.7% YoY
+42.2% QoQ
|
-0.06% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.95%
(Tier avg: 67.73%, National avg: 65.09%)
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
94
94th pctile
Efficiency Ratio
Current: 45.95% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.08%
90
90th pctile
Total Deposits
Current: $348.7M · Tier avg: $183.7M
89
89th pctile
Total Loans
Current: $279.8M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $392.1M · Tier avg: $217.5M
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 22.06% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.85%
42
42th pctile
Loan-to-Deposit Ratio
Current: 80.23% · Tier avg: 74.53%
Top Weaknesses
42
42th pctile
Loan-to-Deposit Ratio
Current: 80.23% · Tier avg: 74.53%
45
45th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 22.06% · Tier avg: 22.39%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
87
87th pctile
Total Assets
Current: $392.1M · Tier avg: $217.5M
89
89th pctile
Total Loans
Current: $279.8M · Tier avg: $139.2M
90
90th pctile
Total Deposits
Current: $348.7M · Tier avg: $183.7M
90
90th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 45.95% · Tier avg: 67.73%