BlastPoint's Banking Scorecard

Bank & Trust Company

$100M-$1B Specialty: Commercial IL FDIC cert 1047

Litchfield, IL

11 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Bank & Trust Company 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

+ Efficiency Ratio 7.58% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- ROA 0.13% below tier average
- Net Interest Margin 0.28% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$644.6M +7.0% YoY +1.8% QoQ	+$258.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$416.8M +10.4% YoY -0.1% QoQ	+$161.1M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$547.5M +7.1% YoY +2.3% QoQ	+$219.5M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.14% +18.1% YoY -0.3% QoQ	-0.13%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	46%
Net Interest Margin ?	3.65% +9.1% YoY +3.3% QoQ	-0.28%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	57.70% -9.0% YoY +1.0% QoQ	-7.58%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	0.32% -14.8% YoY -3.7% QoQ	-0.56%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	76.13% +3.1% YoY -2.3% QoQ	-0.51%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	16.81% -3.5% YoY -3.8% QoQ	-5.21%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	0.21% -17.3% YoY -5.4% QoQ	-0.43%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	16.00% -0.2% YoY +2.1% QoQ	+0.17%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.11% -2.2% YoY -77.5% QoQ	-0.17%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	57%

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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 (0)

No matched strength signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

426

Total Assets

size

Value: $644.56M

Peer Median: $386.08M

#426 of 2664 Top 16.0% in $100M-$1B

439

Total Deposits

size

Value: $547.50M

Peer Median: $327.97M

#439 of 2664 Top 16.4% in $100M-$1B

498

Total Loans

size

Value: $416.79M

Peer Median: $255.72M

#498 of 2664 Top 18.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available