BlastPoint's Banking Scorecard

Exchange State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 12402

Lanark, 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 -1.2% year over year ($98.6M on the books).
Delinquency rate 0.06%.
Return on assets 1.54%.
Efficiency ratio 55.94% vs a 64.48% peer average.
Loan-to-deposit ratio 62.18% 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) →

Exchange State Bank has 3 strengths but faces 3 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

+ Credit Quality Leader: Top 2.4% in tier
+ ROA 0.21% above tier average
+ Efficiency Ratio 8.54% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.3% in tier
- Credit Risk Growth: Bottom 26.5% in tier
- Net Interest Margin 0.75% below tier average

Get updates when Exchange State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$112.7M +0.0% YoY +0.4% QoQ	-$273.8M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 3.4% in tier
Total Loans ?	$61.3M +7.1% YoY +0.1% QoQ	-$197.0M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 4.9% in tier
Total Deposits ?	$98.6M -1.2% YoY +0.2% QoQ	-$228.1M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 5.1% in tier
Return on Assets ?	1.54% +19.1% YoY +9.8% QoQ	+0.21%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	67%
Net Interest Margin ?	3.24% +7.9% YoY +3.3% QoQ	-0.75%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	17%
Efficiency Ratio ?	55.94% -6.3% YoY -3.8% QoQ	-8.54%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	70%
Delinquency Rate ?	0.06%	-0.86%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	78%
Loan-to-Deposit Ratio ?	62.18% +8.4% YoY -0.2% QoQ	-15.78%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	80%
Non-Interest-Bearing Deposit Share ?	12.53% +4.4% YoY -13.5% QoQ	-9.50%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	16%
Nonperforming Asset Ratio ?	0.03%	-0.64%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	82%
Tier 1 Capital Ratio ?	11.47% -3.8% YoY +0.7% QoQ	-4.44%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.26% +7.8% YoY +121.2% QoQ	-0.31%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	65%

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	12.5% +0.5pp YoY -2.0pp QoQ	-9.6pp	22.1%	20.1%	22.2%	15%
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	31.5% -2.3pp YoY +1.7pp QoQ	+19.9pp	11.6%	14.7%	12.5%	96%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	25.6% +2.5pp YoY +2.8pp QoQ	-7.0pp	32.6%	28.3%	31.3%	42%
Consumer	2.9% +0.3pp YoY +0.1pp QoQ	-1.2pp	4.1%	5.4%	5.0%	59%

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	11.5% -0.4pp YoY +0.1pp QoQ	-0.7pp	12.2%	12.2%	12.6%	57%
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	11 -1 (-8.3%) YoY +1 (+10.0%) QoQ	-48	58	228	482	1%
Assets per Employee ($)	$10.2M +9.1% YoY -8.7% QoQ	+$2.7M	$7.5M	$8.3M	$8.8M	87%
Branch Count	1 0 YoY 0 QoQ	-4	4	10	18	0%

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	0.1%	-0.9pp	0.9%	1.1%	1.0%	13%
Allowance Coverage	19.29x	-4.86x	24.15x	5.62x	20.23x	88%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	16.3% +1.4pp YoY +1.5pp QoQ	+4.1pp	12.2%	10.5%	11.6%	74%
Cost of Funds (YTD)	1.8% -0.3pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.6%	1.7%	60%
Net Income ($, YTD)	$855,000 +21.8% YoY — QoQ	-$1.7M	$2.6M	$11.7M	$40.4M	22%

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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 (1)

Credit Quality Leader

growth

#17 of 659 • Top 2.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#131 of 1256 • Bottom 10.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#249 of 936 • Bottom 26.5% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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).

Compare against:

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

Top Strengths (3 metrics)

474

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#474 of 2643 Top 17.9% in $100M-$1B

525

Loan-to-Deposit Ratio

liquidity

Value: 62.18%

Peer Median: 77.95%

#525 of 2643 Top 19.8% in $100M-$1B

569

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.92%

#569 of 2633 Top 21.6% in $100M-$1B

Top Weaknesses (5 metrics)

2554

Total Assets

size

Value: $112.74M

Peer Median: $386.57M

#2554 of 2643 Bottom 3.4% in $100M-$1B

2515

Total Loans

size

Value: $61.32M

Peer Median: $258.35M

#2515 of 2643 Bottom 4.9% in $100M-$1B

2510

Total Deposits

size

Value: $98.62M

Peer Median: $326.73M

#2510 of 2643 Bottom 5.1% in $100M-$1B

2225

Non-Interest-Bearing Deposit Share

funding

Value: 12.53%

Peer Median: 22.03%

#2225 of 2643 Bottom 15.9% in $100M-$1B

2189

Net Interest Margin

profitability

Value: 3.24%

Peer Median: 3.99%

#2189 of 2643 Bottom 17.2% in $100M-$1B