BlastPoint

BlastPoint's Banking Scorecard

BankOrion

$100M-$1B Specialty: Commercial IL FDIC cert 11739

Orion, IL

9 branches across IL · IA

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 +1.7% year over year ($582.9M on the books).
  • Delinquency rate 1.19%.
  • Return on assets 0.91%.
  • Efficiency ratio 64.10% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.90% 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) →

BankOrion 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 0.38% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 13.5% in tier
  • - Flatlined Growth: Bottom 41.6% in tier
  • - ROA 0.42% below tier average
  • - Net Interest Margin 0.58% below tier average
  • - Delinquency Rate 0.27% above tier average
Get updates when BankOrion releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $688.1M
+1.3% YoY +0.7% QoQ
+$301.5M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 13.0% in tier
Total Loans ? $442.4M
+4.7% YoY +1.4% QoQ
+$184.1M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $582.9M
+1.7% YoY +1.8% QoQ
+$256.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 13.3% in tier
Return on Assets ? 0.91%
+8.4% YoY +2.7% QoQ
-0.42% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 3.40%
+5.5% YoY +1.2% QoQ
-0.58% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 64.10%
-2.7% YoY -0.7% QoQ
-0.38% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 1.19%
+903.8% YoY +55.8% QoQ
+0.27% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 75.90%
+3.0% YoY -0.4% QoQ
-2.05% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 15.68%
-10.5% YoY +2.6% QoQ
-6.35% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 0.77%
+937.6% YoY +56.8% QoQ
+0.10% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 9.73%
-6.5% YoY -0.7% QoQ
-6.18% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 7.3% in tier
Non-Interest Income / Assets ? 0.20%
+0.5% YoY +107.3% QoQ
-0.36% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
50%

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 15.7%
-1.8pp YoY
+0.4pp QoQ
 -6.5pp 22.1% 20.1% 22.2% 26%
Brokered Deposits 1.5%
+0.8pp YoY
-0.6pp QoQ
 -6.3pp 7.9% 8.0% 8.5% 25%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 12.7%
-1.6pp YoY
+0.5pp QoQ
 +1.1pp 11.6% 14.7% 12.5% 67%
CRE 36.5%
0.0pp YoY
-1.0pp QoQ
 -3.1pp 39.5% 37.9% 41.4% 46%
1-4 Family 36.5%
+2.2pp YoY
+0.3pp QoQ
 +3.9pp 32.6% 28.3% 31.3% 64%
Consumer 3.0%
-0.3pp YoY
+0.1pp QoQ
 -1.1pp 4.1% 5.4% 5.0% 60%

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 9.7%
-0.7pp YoY
-0.1pp QoQ
 -2.4pp 12.2% 12.2% 12.6% 26%
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 95
-1 (-1.0%) YoY
-3 (-3.1%) QoQ
 +36 58 228 482 85%
Assets per Employee ($) $7.2M
+2.4% YoY
+3.9% QoQ
 -$275K $7.5M $8.3M $8.8M 56%
Branch Count 9
0 YoY
0 QoQ
 +4 4 10 18 86%

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 1.2%
+1.1pp YoY
+0.4pp QoQ
 +0.3pp 0.9% 1.1% 1.0% 75%
Allowance Coverage 0.94x
-89.1% YoY
-34.6% QoQ
 -23.21x 24.15x 5.62x 20.23x 25%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 16%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 10.8%
+0.6pp YoY
+0.3pp QoQ
 -1.4pp 12.2% 10.5% 11.6% 42%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 36%
Net Income ($, YTD) $3.1M
+12.0% YoY
— QoQ
 +$536K $2.6M $11.7M $40.4M 71%

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 (2)

Capital Thin

risk
#90 of 661 • Bottom 13.5% 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: 9.73%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#221 of 529 • Bottom 41.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.91%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

345
Total Assets
size
Value: $688.08M
Peer Median: $386.57M
#345 of 2643 Top 13.0% in $100M-$1B
352
Total Deposits
size
Value: $582.90M
Peer Median: $326.73M
#352 of 2643 Top 13.3% in $100M-$1B
445
Total Loans
size
Value: $442.43M
Peer Median: $258.35M
#445 of 2643 Top 16.8% in $100M-$1B

Top Weaknesses (3 metrics)

2451
Tier 1 Capital Ratio
capital
Value: 9.73%
Peer Median: 15.91%
#2451 of 2643 Bottom 7.3% in $100M-$1B
2021
Net Interest Margin
profitability
Value: 3.40%
Peer Median: 3.99%
#2021 of 2643 Bottom 23.6% in $100M-$1B
1991
Delinquency Rate
credit_quality
Value: 1.19%
Peer Median: 0.92%
#1991 of 2633 Bottom 24.4% in $100M-$1B
Powered by BlastPoint © 2026