BlastPoint's Banking Scorecard
The First National Bank of Okawville
Micro
Specialty: Agricultural
IL
FDIC cert 3826
Designations: ✓ Community bank
Okawville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The First National Bank of Okawville faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 36.65% below tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.7M
+0.6% YoY
+5.1% QoQ
|
-$149.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$22.7M
-8.8% YoY
+2.5% QoQ
|
-$116.4M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$60.1M
+4.9% YoY
+5.7% QoQ
|
-$123.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.35%
+65.2% YoY
-9.3% QoQ
|
-0.74% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.91%
+16.7% YoY
-0.3% QoQ
|
-0.95% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
87.81%
-3.8% YoY
+1.4% QoQ
|
+20.09% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? | 0.11% | -0.53% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
37.87%
-13.1% YoY
-3.0% QoQ
|
-36.65% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.42%
+6.1% YoY
+12.7% QoQ
|
+13.02% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? | 0.04% | -0.41% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
+20.8% YoY
+24.4% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
37.87%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(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
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.42% · Tier avg: 22.39%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
14
14th pctile
Total Deposits
Current: $60.1M · Tier avg: $183.7M
13
13th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
13
13th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.85%
12
12th pctile
Total Assets
Current: $67.7M · Tier avg: $217.5M
11
11th pctile
Efficiency Ratio
Current: 87.81% · Tier avg: 67.73%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
8
8th pctile
Total Loans
Current: $22.7M · Tier avg: $139.2M
5
5th pctile
Loan-to-Deposit Ratio
Current: 37.87% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 37.87% · Tier avg: 74.53%
8
8th pctile
Total Loans
Current: $22.7M · Tier avg: $139.2M
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
11
11th pctile
Efficiency Ratio
Current: 87.81% · Tier avg: 67.73%
12
12th pctile
Total Assets
Current: $67.7M · Tier avg: $217.5M
13
13th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.85%
13
13th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
14
14th pctile
Total Deposits
Current: $60.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.42% · Tier avg: 22.39%