BlastPoint's Banking Scorecard
The First National Bank of Brownstown
Micro
Specialty: Agricultural
IL
FDIC cert 3770
Designations: ✓ Community bank
Brownstown, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The First National Bank of Brownstown demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 33.46% below tier
- + Tier 1 Capital Ratio 16.19% above 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 ? |
$57.5M
+3.6% YoY
+2.9% QoQ
|
-$160.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$21.0M
+0.8% YoY
+2.7% QoQ
|
-$118.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$51.1M
+1.4% YoY
+2.7% QoQ
|
-$132.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.92%
+29.9% YoY
-9.1% QoQ
|
-0.16% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.44%
+9.9% YoY
+2.2% QoQ
|
-0.42% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
64.15%
-6.1% YoY
+8.3% QoQ
|
-3.58% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
1.31%
-30.5% YoY
+22.1% QoQ
|
+0.67% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
41.07%
-0.5% YoY
+0.0% QoQ
|
-33.46% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.00%
-13.6% YoY
-2.6% QoQ
|
-6.40% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.48%
-32.4% YoY
+21.9% QoQ
|
+0.03% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
25.04%
+9.3% YoY
-1.5% QoQ
|
+16.19% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.28%
-8.6% YoY
+36.1% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
41.07%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
25.04%
(Tier avg: 8.85%, National avg: 9.75%)
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.07% · Tier avg: 74.53%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.04% · Tier avg: 8.85%
55
55th pctile
Efficiency Ratio
Current: 64.15% · Tier avg: 67.73%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 16.00% · Tier avg: 22.39%
22
22th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.64%
11
11th pctile
Total Deposits
Current: $51.1M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $57.5M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $21.0M · Tier avg: $139.2M
Top Weaknesses
7
7th pctile
Total Loans
Current: $21.0M · Tier avg: $139.2M
9
9th pctile
Total Assets
Current: $57.5M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $51.1M · Tier avg: $183.7M
22
22th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.64%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 16.00% · Tier avg: 22.39%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
55
55th pctile
Efficiency Ratio
Current: 64.15% · Tier avg: 67.73%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.04% · Tier avg: 8.85%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.07% · Tier avg: 74.53%