BlastPoint's Banking Scorecard
Eagle Valley Bank
Griggsville, 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 +8.1% year over year ($203.0M on the books).
- Delinquency rate 0.61%.
- Return on assets 1.60%.
- Efficiency ratio 64.89% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Eagle Valley Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.58% above tier average
- + Delinquency Rate 0.31% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$229.6M
+7.6% YoY
-0.0% QoQ
|
-$156.9M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$189.4M
+15.7% YoY
+6.1% QoQ
|
-$68.9M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$203.0M
+8.1% YoY
-0.3% QoQ
|
-$123.8M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
1.60%
+216.8% YoY
+0.1% QoQ
|
+0.28% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
4.57%
+143.0% YoY
-0.2% QoQ
|
+0.58% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
64.89%
-7.6% YoY
-2.0% QoQ
|
+0.41% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
0.61%
-45.4% YoY
+68.3% QoQ
|
-0.31% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
93.33%
+7.0% YoY
+6.5% QoQ
|
+15.38% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
25.81%
+41.3% YoY
-2.7% QoQ
|
+3.78% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.50%
-41.3% YoY
+78.7% QoQ
|
-0.17% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
10.44%
+1.1% YoY
-3.9% QoQ
|
-5.47% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.22%
+360.4% YoY
+92.5% QoQ
|
-0.34% |
0.57%
+7.6% 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
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 |
25.8%
+7.5pp YoY -0.7pp QoQ |
+3.7pp | 22.1% | 20.1% | 22.2% | 69% |
| 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 |
6.4%
+1.1pp YoY -0.1pp QoQ |
-5.1pp | 11.6% | 14.7% | 12.5% | 29% |
| CRE | 10.3% | -29.2pp | 39.5% | 37.9% | 41.4% | 5% |
| 1-4 Family |
15.3%
-1.5pp YoY +1.0pp QoQ |
-17.3pp | 32.6% | 28.3% | 31.3% | 20% |
| Consumer |
6.6%
-0.7pp YoY -0.3pp QoQ |
+2.5pp | 4.1% | 5.4% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
10.4%
+0.1pp YoY -0.4pp QoQ |
-1.7pp | 12.2% | 12.2% | 12.6% | 40% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
41
+4 (+10.8%) YoY -1 (-2.4%) QoQ |
-18 | 58 | 228 | 482 | 42% |
| Assets per Employee ($) |
$5.6M
-2.9% YoY +2.4% QoQ |
-$1.9M | $7.5M | $8.3M | $8.8M | 25% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.5pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 68% |
| Nonaccrual |
0.4%
0.0pp YoY +0.1pp QoQ |
-0.5pp | 0.9% | 1.1% | 1.0% | 46% |
| Allowance Coverage |
1.85x
+69.9% YoY -42.0% QoQ |
-22.30x | 24.15x | 5.62x | 20.23x | 45% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 45% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
+10.7pp YoY +0.1pp QoQ |
+3.2pp | 12.2% | 10.5% | 11.6% | 70% |
| Cost of Funds (YTD) |
2.1%
+1.1pp YoY +0.1pp QoQ |
+0.4pp | 1.7% | 1.6% | 1.7% | 75% |
| Net Income ($, YTD) |
$1.8M
+532.1% YoY — QoQ |
-$741K | $2.6M | $11.7M | $40.4M | 49% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.