BlastPoint's Banking Scorecard

Federated Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 10464

Onarga, IL

5 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +13.2% year over year ($119.2M on the books).
Delinquency rate 0.20%.
Return on assets 1.20%.
Efficiency ratio 74.92% vs a 64.48% peer average.
Loan-to-deposit ratio 74.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Federated Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 42.5% in tier
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- ROA 0.12% below tier average
- Efficiency Ratio 10.44% above tier average

Get updates when Federated Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$140.1M +11.8% YoY +4.1% QoQ	-$246.5M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 11.4% in tier
Total Loans ?	$89.1M +37.5% YoY +7.7% QoQ	-$169.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 14.4% in tier
Total Deposits ?	$119.2M +13.2% YoY +4.7% QoQ	-$207.5M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 11.5% in tier
Return on Assets ?	1.20% +445.9% YoY -26.6% QoQ	-0.12%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	47%
Net Interest Margin ?	5.51% +199.6% YoY +47.4% QoQ	+1.52%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Top 2.8% in tier
Efficiency Ratio ?	74.92% +10.0% YoY -6.9% QoQ	+10.44%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	20%
Delinquency Rate ?	0.20% -43.0% YoY	-0.72%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	74.78% +21.5% YoY +2.9% QoQ	-3.17%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	30.83% +8.9% YoY +7.5% QoQ	+8.80%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	84%
Nonperforming Asset Ratio ?	0.67% -15.7% YoY +23.5% QoQ	+0.00%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	32%
Tier 1 Capital Ratio ?	11.79% -15.0% YoY +4.5% QoQ	-4.11%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.25% +150.2% YoY +464.9% QoQ	-0.32%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	62%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	30.8% +2.5pp YoY +2.2pp QoQ	+8.7pp	22.1%	20.1%	22.2%	84%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	13.9% -4.2pp YoY +1.9pp QoQ	+2.3pp	11.6%	14.7%	12.5%	72%
CRE	21.1% -5.8pp YoY -5.7pp QoQ	-18.5pp	39.5%	37.9%	41.4%	20%
1-4 Family	15.7% -4.8pp YoY -1.8pp QoQ	-16.9pp	32.6%	28.3%	31.3%	21%
Consumer	1.8% -1.0pp YoY -0.3pp QoQ	-2.3pp	4.1%	5.4%	5.0%	44%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	11.8% -2.1pp YoY +0.5pp QoQ	-7.0pp	18.8%	19.9%	19.7%	15%
Leverage Ratio	8.9% +0.2pp YoY +0.4pp QoQ	-3.3pp	12.2%	12.2%	12.6%	10%
Total Capital Ratio	12.6% -2.2pp YoY +0.5pp QoQ	-7.4pp	19.9%	20.9%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	35 +7 (+25.0%) YoY -1 (-2.8%) QoQ	-24	58	228	482	35%
Assets per Employee ($)	$4.0M -10.5% YoY +7.1% QoQ	-$3.5M	$7.5M	$8.3M	$8.8M	4%
Branch Count	5 +1 (+25.0%) YoY 0 QoQ	0	4	10	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.1pp YoY	-0.1pp	0.3%	0.4%	0.4%	65%
Nonaccrual	n/a	n/a	0.9%	1.1%	1.0%	n/a
Allowance Coverage	4.20x +48.2% YoY	-19.95x	24.15x	5.62x	20.23x	66%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	49%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	8.4% +11.4pp YoY -2.9pp QoQ	-3.8pp	12.2%	10.5%	11.6%	27%
Cost of Funds (YTD)	1.1% +0.8pp YoY +0.7pp QoQ	-0.6pp	1.7%	1.6%	1.7%	15%
Net Income ($, YTD)	$820,000 +490.5% YoY — QoQ	-$1.7M	$2.6M	$11.7M	$40.4M	20%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#119 of 278 • Top 42.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 30.83%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.51%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 5.51%

Peer Median: 3.99%

#76 of 2643 Top 2.8% in $100M-$1B

425

Non-Interest-Bearing Deposit Share

funding

Value: 30.83%

Peer Median: 22.03%

#425 of 2643 Top 16.0% in $100M-$1B

Top Weaknesses (4 metrics)

2342

Total Assets

size

Value: $140.10M

Peer Median: $386.57M

#2342 of 2643 Bottom 11.4% in $100M-$1B

2340

Total Deposits

size

Value: $119.21M

Peer Median: $326.73M

#2340 of 2643 Bottom 11.5% in $100M-$1B

2263

Total Loans

size

Value: $89.14M

Peer Median: $258.35M

#2263 of 2643 Bottom 14.4% in $100M-$1B

2103

Efficiency Ratio

profitability

Value: 74.92%

Peer Median: 64.48%

#2103 of 2643 Bottom 20.5% in $100M-$1B