BlastPoint's Banking Scorecard

Central Bank Illinois

$1B-$10B Specialty: Agricultural IL FDIC cert 11670

Designations: ✓ Community bank

Geneseo, IL

12 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +10.2% year over year ($1.1B on the books).
Delinquency rate 1.87%.
Return on assets 0.98%.
Efficiency ratio 50.71% vs a 59.73% peer average.
Loan-to-deposit ratio 89.34% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Central Bank Illinois has 1 strength 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

+ Efficiency Ratio 9.02% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 32.4% in tier
- Nonperforming Asset Ratio 0.92% above tier average
- ROA 0.42% below tier average
- Net Interest Margin 0.19% below tier average
- Delinquency Rate 1.01% above tier average

Get updates when Central Bank Illinois releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$1.5B +5.9% YoY -0.8% QoQ	-$1.3B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$999.1M +4.9% YoY +5.3% QoQ	-$964.1M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	31%
Total Deposits ?	$1.1B +10.2% YoY +2.2% QoQ	-$1.2B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	25%
Return on Assets ?	0.98% -6.5% YoY +69.9% QoQ	-0.42%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	29%
Net Interest Margin ?	3.68% +3.3% YoY +1.6% QoQ	-0.19%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	48%
Efficiency Ratio ?	50.71% -1.5% YoY -2.0% QoQ	-9.02%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	1.87% +395.3% YoY +8.0% QoQ	+1.01%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 10.2% in tier
Loan-to-Deposit Ratio ?	89.34% -4.8% YoY +3.1% QoQ	+4.31%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	44%
Non-Interest-Bearing Deposit Share ?	14.78% -0.1% YoY -1.6% QoQ	-6.49%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	27%
Nonperforming Asset Ratio ?	1.60% +432.5% YoY +35.6% QoQ	+0.92%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 8.9% in tier
Tier 1 Capital Ratio ?	10.39% +0.5% YoY +0.3% QoQ	-4.45%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 9.6% in tier
Non-Interest Income / Assets ?	0.26% +3.2% YoY +109.2% QoQ	-0.27%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	42%

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	14.8% 0.0pp YoY -0.2pp QoQ	-6.6pp	21.4%	20.1%	22.2%	26%
Brokered Deposits	8.7% +4.4pp YoY +2.5pp QoQ	-0.8pp	9.5%	8.0%	8.5%	64%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	7.9% -3.0pp YoY -0.9pp QoQ	-6.2pp	14.0%	14.7%	12.5%	32%
CRE	46.8% +0.4pp YoY -1.9pp QoQ	-3.2pp	50.0%	37.9%	41.4%	42%
1-4 Family	18.3% +3.8pp YoY +3.4pp QoQ	-8.1pp	26.4%	28.3%	31.3%	38%
Consumer	0.5% -0.1pp YoY -0.1pp QoQ	-4.2pp	4.7%	5.4%	5.0%	31%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	19.9%	19.7%	n/a
Leverage Ratio	10.4% +0.1pp YoY 0.0pp QoQ	-0.9pp	11.3%	12.2%	12.6%	47%
Total Capital Ratio	n/a	n/a	16.7%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	185 +7 (+3.9%) YoY +8 (+4.5%) QoQ	-129	313	228	482	35%
Assets per Employee ($)	$7.9M +1.9% YoY -5.1% QoQ	-$2.6M	$10.5M	$8.3M	$8.8M	38%
Branch Count	12 0 YoY 0 QoQ	-8	20	10	18	39%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	1.1% +1.0pp YoY +0.6pp QoQ	+0.9pp	0.2%	0.4%	0.4%	96%
Nonaccrual	0.8% +0.5pp YoY -0.5pp QoQ	0.0pp	0.8%	1.1%	1.0%	66%
Allowance Coverage	0.63x -80.0% YoY -28.9% QoQ	-18.08x	18.71x	5.62x	20.23x	10%
Net Charge-off Rate (YTD)	0.8% +0.8pp YoY +0.7pp QoQ	+0.5pp	0.3%	0.1%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	9.5% -1.6pp YoY +3.9pp QoQ	-3.1pp	12.6%	10.5%	11.6%	29%
Cost of Funds (YTD)	1.9% 0.0pp YoY 0.0pp QoQ	0.0pp	1.9%	1.6%	1.7%	48%
Net Income ($, YTD)	$7.1M -2.6% YoY — QoQ	-$12.2M	$19.2M	$11.7M	$40.4M	24%

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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)

Capital Thin

risk

#73 of 222 • Bottom 32.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.39%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

216

Efficiency Ratio

profitability

Value: 50.71%

Peer Median: 59.73%

#216 of 885 Top 24.3% in $1B-$10B

Top Weaknesses (4 metrics)

807

Nonperforming Asset Ratio

credit_quality

Value: 1.60%

Peer Median: 0.67%

#807 of 885 Bottom 8.9% in $1B-$10B

801

Tier 1 Capital Ratio

capital

Value: 10.39%

Peer Median: 14.84%

#801 of 885 Bottom 9.6% in $1B-$10B

793

Delinquency Rate

credit_quality

Value: 1.87%

Peer Median: 0.87%

#793 of 882 Bottom 10.2% in $1B-$10B

669

Total Deposits

size

Value: $1.12B

Peer Median: $2.32B

#669 of 885 Bottom 24.5% in $1B-$10B