BlastPoint's Banking Scorecard
The First National Bank of Sparta
Micro
Specialty: Other
IL
FDIC cert 3837
Designations: ✓ Community bank
Sparta, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The First National Bank of Sparta shows strong momentum with 3 strengths and 8.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.23% above tier
- + Tier 1 Capital Ratio 16.35% above tier
- + Non-Interest Income / Assets 2.18% 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 ? |
$112.1M
+8.7% YoY
+3.0% QoQ
|
-$105.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$47.3M
+9.7% YoY
+6.0% QoQ
|
-$91.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$99.1M
+6.5% YoY
+2.8% QoQ
|
-$84.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
2.31%
+96.1% YoY
+49.9% QoQ
|
+1.23% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
3.74%
+13.6% YoY
+0.5% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
54.96%
-23.1% YoY
-20.1% QoQ
|
-12.77% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.63%
+22.6% YoY
+3.8% QoQ
|
-0.01% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
47.76%
+3.1% YoY
+3.1% QoQ
|
-26.77% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.43%
-22.5% YoY
-15.2% QoQ
|
-8.97% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.26%
-33.9% YoY
+6.8% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
25.20%
-7.1% YoY
-9.7% QoQ
|
+16.35% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
2.74%
+78.7% YoY
+162.2% QoQ
|
+2.18% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.31%
(Tier avg: 1.08%, National avg: 1.12%)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
25.20%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.74%
(Tier avg: 0.56%, National avg: 0.65%)
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
98
98th pctile
Non-Interest Income / Assets
Current: 2.74% · Tier avg: 0.56%
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.08%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.20% · Tier avg: 8.85%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.76% · Tier avg: 74.53%
81
81th pctile
Efficiency Ratio
Current: 54.96% · Tier avg: 67.73%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
40
40th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.64%
28
28th pctile
Total Deposits
Current: $99.1M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $112.1M · Tier avg: $217.5M
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.43% · Tier avg: 22.39%
18
18th pctile
Total Loans
Current: $47.3M · Tier avg: $139.2M
Top Weaknesses
18
18th pctile
Total Loans
Current: $47.3M · Tier avg: $139.2M
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.43% · Tier avg: 22.39%
26
26th pctile
Total Assets
Current: $112.1M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $99.1M · Tier avg: $183.7M
40
40th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.64%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
81
81th pctile
Efficiency Ratio
Current: 54.96% · Tier avg: 67.73%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.76% · Tier avg: 74.53%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.20% · Tier avg: 8.85%
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.08%
98
98th pctile
Non-Interest Income / Assets
Current: 2.74% · Tier avg: 0.56%