BlastPoint's Banking Scorecard

Bank of Rantoul

$100M-$1B Specialty: Agricultural IL FDIC cert 11711

Rantoul, IL

2 branches across IL

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

Bank of Rantoul has 4 strengths but faces 1 concern

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 24.71% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.66% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.78% below tier average

Get updates when Bank of Rantoul releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$283.6M +7.9% YoY +5.7% QoQ	-$102.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	43%
Total Loans ?	$100.7M +4.6% YoY -4.2% QoQ	-$155.1M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$225.2M +9.6% YoY +1.8% QoQ	-$102.8M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	1.93% -3.5% YoY +4.3% QoQ	+0.66%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 14.2% in tier
Net Interest Margin ?	3.15% -8.1% YoY -7.7% QoQ	-0.78%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	40.58% +2.4% YoY -9.9% QoQ	-24.71%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 4.7% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	44.70% -4.5% YoY -6.0% QoQ	-31.94%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 6.1% in tier
Non-Interest-Bearing Deposit Share ?	14.70% -7.9% YoY +2.1% QoQ	-7.32%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.72% -2.4% YoY -2.9% QoQ	-5.11%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.06% -2.9% YoY -74.0% QoQ	-0.22%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	27%

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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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

126

Efficiency Ratio

profitability

Value: 40.58%

Peer Median: 65.29%

#126 of 2664 Top 4.7% in $100M-$1B

164

Loan-to-Deposit Ratio

liquidity

Value: 44.70%

Peer Median: 76.64%

#164 of 2664 Top 6.1% in $100M-$1B

379

Return on Assets

profitability

Value: 1.93%

Peer Median: 1.27%

#379 of 2664 Top 14.2% in $100M-$1B

Top Weaknesses (4 metrics)

2239

Net Interest Margin

profitability

Value: 3.15%

Peer Median: 3.93%

#2239 of 2664 Bottom 16.0% in $100M-$1B

2149

Tier 1 Capital Ratio

capital

Value: 10.72%

Peer Median: 15.83%

#2149 of 2664 Bottom 19.4% in $100M-$1B

2135

Total Loans

size

Value: $100.66M

Peer Median: $255.72M

#2135 of 2664 Bottom 19.9% in $100M-$1B

2045

Non-Interest-Bearing Deposit Share

funding

Value: 14.70%

Peer Median: 22.02%

#2045 of 2664 Bottom 23.3% in $100M-$1B