BlastPoint's Banking Scorecard
First National Bank of Waterloo
Community
Specialty: Commercial
IL
FDIC cert 3842
Waterloo, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
First National Bank of Waterloo 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
- - Credit Risk Growth: Bottom 10% in Community
- - Flatlined Growth: Bottom 12% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$929.8M
-0.1% YoY
+0.4% QoQ
|
-$461.7M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$534.8M
+3.8% YoY
-0.1% QoQ
|
-$440.7M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$764.5M
-1.4% YoY
-0.1% QoQ
|
-$400.1M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.59%
+37.7% YoY
-4.9% QoQ
|
-0.57% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.13%
+18.6% YoY
+2.5% QoQ
|
-0.53% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
73.88%
-3.2% YoY
+2.4% QoQ
|
+11.24% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
1.42%
+4.5% YoY
+3.2% QoQ
|
+0.79% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
69.96%
+5.2% YoY
-0.0% QoQ
|
-13.10% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
18.91%
+10.9% YoY
+1.0% QoQ
|
-2.14% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.87%
-9.1% YoY
+4.1% QoQ
|
+0.37% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
12.42%
-1.0% YoY
-4.7% QoQ
|
+2.18% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.56%
+2.8% YoY
+32.9% QoQ
|
-0.18% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#66 of 642 · Bottom 10% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Flatlined Growth
risk
#31 of 245 · Bottom 12% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.59%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
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
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.96% · Tier avg: 83.06%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.42% · Tier avg: 10.24%
45
45th pctile
Total Assets
Current: $929.8M · Tier avg: $1.4B
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.91% · Tier avg: 21.05%
44
44th pctile
Total Deposits
Current: $764.5M · Tier avg: $1.2B
35
35th pctile
Total Loans
Current: $534.8M · Tier avg: $975.5M
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
19
19th pctile
Efficiency Ratio
Current: 73.88% · Tier avg: 62.63%
17
17th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.63%
15
15th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.16%
Top Weaknesses
15
15th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.16%
17
17th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.63%
19
19th pctile
Efficiency Ratio
Current: 73.88% · Tier avg: 62.63%
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
35
35th pctile
Total Loans
Current: $534.8M · Tier avg: $975.5M
44
44th pctile
Total Deposits
Current: $764.5M · Tier avg: $1.2B
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.91% · Tier avg: 21.05%
45
45th pctile
Total Assets
Current: $929.8M · Tier avg: $1.4B
51
51th pctile
Tier 1 Capital Ratio
Current: 12.42% · Tier avg: 10.24%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.96% · Tier avg: 83.06%