BlastPoint's Banking Scorecard

Community Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 10791

Winslow, IL

4 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 +6.7% year over year ($210.7M on the books).
Delinquency rate 1.51%.
Return on assets 1.46%.
Efficiency ratio 48.64% vs a 64.48% peer average.
Loan-to-deposit ratio 102.12% 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) →

Community Bank has 2 strengths but faces 5 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

+ ROA 0.14% above tier average
+ Efficiency Ratio 15.84% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 7.5% in tier
- Net Interest Margin 1.08% below tier average
- Non-Interest-Bearing Deposit Share 14.66% below tier average
- Non-Interest Income / Assets 0.51% below tier average
- Delinquency Rate 0.59% above tier average

Get updates when Community 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 ?	$310.8M +7.2% YoY +2.2% QoQ	-$75.8M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$215.1M +7.8% YoY +2.3% QoQ	-$43.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	51%
Total Deposits ?	$210.7M +6.7% YoY +4.8% QoQ	-$116.1M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	1.46% +8.6% YoY -6.9% QoQ	+0.14%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	2.91% +2.4% YoY +0.1% QoQ	-1.08%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 7.9% in tier
Efficiency Ratio ?	48.64% -7.2% YoY +9.5% QoQ	-15.84%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 14.3% in tier
Delinquency Rate ?	1.51% -3.3% YoY +8.2% QoQ	+0.59%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	102.12% +1.1% YoY -2.3% QoQ	+24.17%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 7.8% in tier
Non-Interest-Bearing Deposit Share ?	7.37% +22.5% YoY +36.9% QoQ	-14.66%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 6.0% in tier
Nonperforming Asset Ratio ?	1.04% -2.7% YoY +8.3% QoQ	+0.38%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	23.98% -1.1% YoY -1.2% QoQ	+8.07%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 7.9% in tier
Non-Interest Income / Assets ?	0.06% -3.0% YoY +82.8% QoQ	-0.51%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 7.5% in tier

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	7.4% +1.4pp YoY +2.0pp QoQ	-14.8pp	22.1%	20.1%	22.2%	5%
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	14.2% -0.6pp YoY -0.8pp QoQ	+2.7pp	11.6%	14.7%	12.5%	73%
CRE	11.2% -0.6pp YoY -0.3pp QoQ	-28.3pp	39.5%	37.9%	41.4%	6%
1-4 Family	32.7% -1.4pp YoY -1.1pp QoQ	+0.1pp	32.6%	28.3%	31.3%	57%
Consumer	1.8% 0.0pp YoY 0.0pp QoQ	-2.3pp	4.1%	5.4%	5.0%	45%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	24.0% -0.3pp YoY -0.3pp QoQ	+5.2pp	18.8%	19.9%	19.7%	87%
Leverage Ratio	16.0% +0.1pp YoY +0.1pp QoQ	+3.9pp	12.2%	12.2%	12.6%	90%
Total Capital Ratio	25.0% -0.2pp YoY -0.3pp QoQ	+5.1pp	19.9%	20.9%	20.8%	87%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	16 0 YoY 0 QoQ	-43	58	228	482	5%
Assets per Employee ($)	$19.4M +7.2% YoY +2.2% QoQ	+$11.9M	$7.5M	$8.3M	$8.8M	99%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	1.5% 0.0pp YoY +0.2pp QoQ	+0.6pp	0.9%	1.1%	1.0%	82%
Allowance Coverage	0.60x -1.2% YoY -8.4% QoQ	-23.55x	24.15x	5.62x	20.23x	14%
Net Charge-off Rate (YTD)	-0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	4%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	10.0% +0.2pp YoY -0.7pp QoQ	-2.2pp	12.2%	10.5%	11.6%	37%
Cost of Funds (YTD)	2.2% -0.1pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.6%	1.7%	81%
Net Income ($, YTD)	$2.2M +14.5% YoY — QoQ	-$333K	$2.6M	$11.7M	$40.4M	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 (1)

Liquidity Overhang

risk

#57 of 742 • Bottom 7.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 23.98%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 102.12%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

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)

209

Tier 1 Capital Ratio

capital

Value: 23.98%

Peer Median: 15.91%

#209 of 2643 Top 7.9% in $100M-$1B

378

Efficiency Ratio

profitability

Value: 48.64%

Peer Median: 64.48%

#378 of 2643 Top 14.3% in $100M-$1B

Top Weaknesses (6 metrics)

2486

Non-Interest-Bearing Deposit Share

funding

Value: 7.37%

Peer Median: 22.03%

#2486 of 2643 Bottom 6.0% in $100M-$1B

2446

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2446 of 2643 Bottom 7.5% in $100M-$1B

2438

Loan-to-Deposit Ratio

liquidity

Value: 102.12%

Peer Median: 77.95%

#2438 of 2643 Bottom 7.8% in $100M-$1B

2436

Net Interest Margin

profitability

Value: 2.91%

Peer Median: 3.99%

#2436 of 2643 Bottom 7.9% in $100M-$1B

2147

Delinquency Rate

credit_quality

Value: 1.51%

Peer Median: 0.92%

#2147 of 2633 Bottom 18.5% in $100M-$1B

2134

Nonperforming Asset Ratio

credit_quality

Value: 1.04%

Peer Median: 0.67%

#2134 of 2643 Bottom 19.3% in $100M-$1B