BlastPoint's Banking Scorecard

BankOrion

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

Orion, IL

9 branches across IL · IA

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

BankOrion has 2 strengths but faces 4 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 0.74% below tier average
+ Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 23.0% in tier
- Credit Risk Growth: Bottom 43.9% in tier
- ROA 0.39% below tier average
- Net Interest Margin 0.57% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$683.0M +3.4% YoY +1.0% QoQ	+$296.9M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 13.4% in tier
Total Loans ?	$436.5M +6.2% YoY -0.4% QoQ	+$180.7M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$572.7M +3.2% YoY +1.7% QoQ	+$244.8M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 14.5% in tier
Return on Assets ?	0.88% +29.7% YoY -2.2% QoQ	-0.39%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	3.36% +11.8% YoY +2.7% QoQ	-0.57%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	64.54% -8.1% YoY +0.9% QoQ	-0.74%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	0.76% +151.6% YoY +4.7% QoQ	-0.12%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	76.21% +2.8% YoY -2.1% QoQ	-0.43%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	15.28% -10.5% YoY -1.2% QoQ	-6.74%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.49% +158.4% YoY +3.2% QoQ	-0.15%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	38%
Tier 1 Capital Ratio ?	9.79% -7.2% YoY +1.8% QoQ	-6.04%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 7.1% in tier
Non-Interest Income / Assets ?	0.10% +1.1% YoY -77.1% QoQ	-0.18%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	50%

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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 (2)

Capital Thin

risk

#154 of 666 • Bottom 23.0% 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: 9.79%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#428 of 973 • Bottom 43.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

358

Total Assets

size

Value: $682.96M

Peer Median: $386.08M

#358 of 2664 Top 13.4% in $100M-$1B

387

Total Deposits

size

Value: $572.73M

Peer Median: $327.97M

#387 of 2664 Top 14.5% in $100M-$1B

450

Total Loans

size

Value: $436.46M

Peer Median: $255.72M

#450 of 2664 Top 16.9% in $100M-$1B

Top Weaknesses (2 metrics)

2476

Tier 1 Capital Ratio

capital

Value: 9.79%

Peer Median: 15.83%

#2476 of 2664 Bottom 7.1% in $100M-$1B

2010

Net Interest Margin

profitability

Value: 3.36%

Peer Median: 3.93%

#2010 of 2664 Bottom 24.6% in $100M-$1B