BlastPoint's Banking Scorecard

Dewey Bank

under $100M Specialty: Agricultural IL FDIC cert 10803

Designations: ✓ Community bank

Dewey, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
Deposits -3.1% year over year ($25.3M on the books).
Delinquency rate 0.06%.
Return on assets 1.62%.
Efficiency ratio 67.46% vs a 119.40% peer average.
Loan-to-deposit ratio 86.19% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 60 in IL

View under $100M leaderboard (IL) →

Dewey Bank demonstrates 4 strengths

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

+ Net Interest Margin 1.26% above tier average
+ ROA 0.62% above tier average
+ Efficiency Ratio 51.94% below tier average
+ Delinquency Rate 1.42% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Dewey 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 ?	$30.3M +2.0% YoY +0.1% QoQ	-$32.1M	$62.4M -0.0% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 11.9% in tier
Total Loans ?	$21.8M +2.4% YoY -1.1% QoQ	-$13.1M	$34.9M -0.6% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	31%
Total Deposits ?	$25.3M -3.1% YoY -4.1% QoQ	-$26.4M	$51.6M -0.2% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	16%
Return on Assets ?	1.62% +30.4% YoY +0.7% QoQ	+0.62%	1.00% +3.5% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	5.17% +9.2% YoY +1.5% QoQ	+1.26%	3.91% +2.3% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Top 7.5% in tier
Efficiency Ratio ?	67.46% -7.1% YoY +0.1% QoQ	-51.94%	119.40% +49.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	0.06%	-1.42%	1.48% +31.8% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	86.19% +5.6% YoY +3.1% QoQ	+11.98%	74.21% +12.6% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	21%
Non-Interest-Bearing Deposit Share ?	23.10% -8.7% YoY -15.6% QoQ	-0.39%	23.49% +0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	0.05%	-0.79%	0.84% +23.0% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	13.69% +13.4% YoY +4.9% QoQ	-13.43%	27.13% +3.0% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.15% -6.2% YoY +99.8% QoQ	-1.24%	1.38% +6.3% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	56%

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	23.1% -2.2pp YoY -4.3pp QoQ	-1.5pp	24.6%	20.1%	22.2%	47%
Brokered Deposits	n/a	n/a	9.8%	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	20.7% -0.6pp YoY -2.0pp QoQ	+7.3pp	13.4%	14.7%	12.5%	80%
CRE	22.3% +2.5pp YoY -1.2pp QoQ	-3.0pp	25.2%	37.9%	41.4%	56%
1-4 Family	18.2% +0.4pp YoY +1.0pp QoQ	-16.8pp	35.0%	28.3%	31.3%	34%
Consumer	4.2% -1.1pp YoY -0.2pp QoQ	-3.5pp	7.7%	5.4%	5.0%	43%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	13.7% +1.6pp YoY +0.6pp QoQ	-25.0pp	38.7%	19.9%	19.7%	14%
Leverage Ratio	10.6% +1.2pp YoY +0.6pp QoQ	-7.1pp	17.7%	12.2%	12.6%	24%
Total Capital Ratio	14.1% +1.6pp YoY +0.6pp QoQ	-25.5pp	39.7%	20.9%	20.8%	11%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	8 0 YoY 0 QoQ	-4	12	228	482	29%
Assets per Employee ($)	$3.8M +2.0% YoY +0.1% QoQ	-$2.4M	$6.2M	$8.3M	$8.8M	16%
Branch Count	1 0 YoY 0 QoQ	-1	1	10	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1%	-0.9pp	1.0%	0.4%	0.4%	21%
Nonaccrual	n/a	n/a	1.7%	1.1%	1.0%	n/a
Allowance Coverage	7.36x	+0.95x	6.41x	5.62x	20.23x	85%
Net Charge-off Rate (YTD)	n/a	n/a	0.2%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	12.7% +2.0pp YoY -0.1pp QoQ	+6.3pp	6.4%	10.5%	11.6%	75%
Cost of Funds (YTD)	1.2% 0.0pp YoY 0.0pp QoQ	-0.2pp	1.4%	1.6%	1.7%	36%
Net Income ($, YTD)	$247,000 +33.5% YoY — QoQ	-$71K	$317,817	$11.7M	$40.4M	43%

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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 536 peers in under $100M

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 5.17%

Peer Median: 3.91%

#41 of 536 Top 7.5% in under $100M

108

Return on Assets

profitability

Value: 1.62%

Peer Median: 1.00%

#108 of 536 Top 20.0% in under $100M

Top Weaknesses (3 metrics)

473

Total Assets

size

Value: $30.30M

Peer Median: $62.44M

#473 of 536 Bottom 11.9% in under $100M

452

Total Deposits

size

Value: $25.26M

Peer Median: $51.62M

#452 of 536 Bottom 15.9% in under $100M

424

Loan-to-Deposit Ratio

liquidity

Value: 86.19%

Peer Median: 74.21%

#424 of 536 Bottom 21.1% in under $100M