BlastPoint's Banking Scorecard
The Anna -Jonesboro National Bank
Micro
Specialty: Other
IL
FDIC cert 3759
Designations: ✓ Community bank
Anna, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The Anna -Jonesboro National Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 23.07% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.75% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$235.5M
+0.4% YoY
-1.9% QoQ
|
+$18.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$100.6M
+8.5% YoY
+3.6% QoQ
|
-$38.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$205.5M
-0.1% YoY
-2.3% QoQ
|
+$21.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.06%
+18.1% YoY
+3.0% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.26%
+15.8% YoY
+2.2% QoQ
|
-0.59% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
61.47%
-11.4% YoY
-5.3% QoQ
|
-6.25% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
3.38%
-13.4% YoY
-10.0% QoQ
|
+2.75% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
48.97%
+8.6% YoY
+6.0% QoQ
|
-25.56% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.26%
-3.8% YoY
+0.5% QoQ
|
+8.86% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.45%
-7.0% YoY
-5.0% QoQ
|
+0.99% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
31.92%
+1.7% YoY
-2.4% QoQ
|
+23.07% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.52%
+3.0% YoY
+34.9% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
31.92%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.38%
(Tier avg: 0.64%, National avg: 0.66%)
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
97
97th pctile
Tier 1 Capital Ratio
Current: 31.92% · Tier avg: 8.85%
88
88th pctile
Loan-to-Deposit Ratio
Current: 48.97% · Tier avg: 74.53%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.26% · Tier avg: 22.39%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
63
63th pctile
Efficiency Ratio
Current: 61.47% · Tier avg: 67.73%
61
61th pctile
Total Deposits
Current: $205.5M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $235.5M · Tier avg: $217.5M
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
43
43th pctile
Total Loans
Current: $100.6M · Tier avg: $139.2M
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.38% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.38% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.45%
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
43
43th pctile
Total Loans
Current: $100.6M · Tier avg: $139.2M
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
59
59th pctile
Total Assets
Current: $235.5M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $205.5M · Tier avg: $183.7M
63
63th pctile
Efficiency Ratio
Current: 61.47% · Tier avg: 67.73%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.26% · Tier avg: 22.39%
88
88th pctile
Loan-to-Deposit Ratio
Current: 48.97% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 31.92% · Tier avg: 8.85%