BlastPoint's Banking Scorecard
Peoples National Bank of Kewanee
Community
Specialty: Other
IL
FDIC cert 926
Kewanee, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Peoples National Bank of Kewanee has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 48.90% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.55% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$587.3M
+2.9% YoY
-0.4% QoQ
|
-$804.1M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$177.1M
+2.7% YoY
-0.0% QoQ
|
-$798.4M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$518.3M
+0.4% YoY
-0.7% QoQ
|
-$646.3M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.82%
+43.8% YoY
+6.1% QoQ
|
-0.34% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
2.75%
+10.2% YoY
+0.6% QoQ
|
-0.91% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
61.72%
-12.6% YoY
-2.8% QoQ
|
-0.91% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
3.18%
-5.8% YoY
-16.2% QoQ
|
+2.55% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
34.16%
+2.3% YoY
+0.7% QoQ
|
-48.90% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.64%
+2.5% YoY
+6.0% QoQ
|
-9.41% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
1.08%
-7.5% YoY
-16.1% QoQ
|
+0.58% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
14.91%
+6.0% YoY
+1.6% QoQ
|
+4.67% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.22%
-8.9% YoY
+31.8% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
34.16%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.18%
(Tier avg: 0.63%, National avg: 0.66%)
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 34.16% · Tier avg: 83.06%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.91% · Tier avg: 10.24%
52
52th pctile
Efficiency Ratio
Current: 61.72% · Tier avg: 62.63%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
16
16th pctile
Total Deposits
Current: $518.3M · Tier avg: $1.2B
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.64% · Tier avg: 21.05%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
13
13th pctile
Total Assets
Current: $587.3M · Tier avg: $1.4B
11
11th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.66%
1
1th pctile
Total Loans
Current: $177.1M · Tier avg: $975.5M
0
0th pctile
Delinquency Rate
Current: 3.18% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.18% · Tier avg: 0.63%
1
1th pctile
Total Loans
Current: $177.1M · Tier avg: $975.5M
11
11th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.66%
13
13th pctile
Total Assets
Current: $587.3M · Tier avg: $1.4B
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.64% · Tier avg: 21.05%
16
16th pctile
Total Deposits
Current: $518.3M · Tier avg: $1.2B
17
17th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
52
52th pctile
Efficiency Ratio
Current: 61.72% · Tier avg: 62.63%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.91% · Tier avg: 10.24%
99
99th pctile
Loan-to-Deposit Ratio
Current: 34.16% · Tier avg: 83.06%