BlastPoint's Banking Scorecard
The City National Bank of Metropolis
Micro
Specialty: Other
IL
FDIC cert 3814
Designations: ✓ Community bank
Metropolis, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The City National Bank of Metropolis demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.53% 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 ? |
$443.5M
+1.3% YoY
-0.6% QoQ
|
+$226.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$231.8M
+5.2% YoY
-0.4% QoQ
|
+$92.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$346.1M
-0.5% YoY
-0.8% QoQ
|
+$162.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.80%
+40.6% YoY
+1.1% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
2.79%
+8.7% YoY
+2.6% QoQ
|
-1.06% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
65.32%
-8.6% YoY
+0.1% QoQ
|
-2.41% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
1.63%
-4.7% YoY
-8.0% QoQ
|
+0.99% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
66.96%
+5.7% YoY
+0.4% QoQ
|
-7.56% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
16.15%
+6.7% YoY
+0.9% QoQ
|
-6.24% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.91%
+5.5% YoY
-2.9% QoQ
|
+0.46% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
24.38%
+1.8% YoY
+1.3% QoQ
|
+15.53% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.29%
+24.4% YoY
+22.0% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
24.38%
(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
94
94th pctile
Total Assets
Current: $443.5M · Tier avg: $217.5M
92
92th pctile
Tier 1 Capital Ratio
Current: 24.38% · Tier avg: 8.85%
89
89th pctile
Total Deposits
Current: $346.1M · Tier avg: $183.7M
82
82th pctile
Total Loans
Current: $231.8M · Tier avg: $139.2M
52
52th pctile
Efficiency Ratio
Current: 65.32% · Tier avg: 67.73%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
34
34th pctile
Loan-to-Deposit Ratio
Current: 66.96% · Tier avg: 74.53%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.15% · Tier avg: 22.39%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.63% · Tier avg: 0.64%
10
10th pctile
Net Interest Margin
Current: 2.79% · Tier avg: 3.85%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.79% · Tier avg: 3.85%
17
17th pctile
Delinquency Rate
Current: 1.63% · Tier avg: 0.64%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.45%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.15% · Tier avg: 22.39%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
34
34th pctile
Loan-to-Deposit Ratio
Current: 66.96% · Tier avg: 74.53%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
52
52th pctile
Efficiency Ratio
Current: 65.32% · Tier avg: 67.73%
82
82th pctile
Total Loans
Current: $231.8M · Tier avg: $139.2M
89
89th pctile
Total Deposits
Current: $346.1M · Tier avg: $183.7M
92
92th pctile
Tier 1 Capital Ratio
Current: 24.38% · Tier avg: 8.85%
94
94th pctile
Total Assets
Current: $443.5M · Tier avg: $217.5M