BlastPoint's Banking Scorecard

Exchange State Bank

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

Lanark, IL

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

Exchange State Bank 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

+ Credit Quality Leader: Top 30.9% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.13% above tier average
+ Efficiency Ratio 7.14% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.80% below tier average

Get updates when Exchange State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$112.3M +8.0% YoY +2.9% QoQ	-$273.8M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 3.5% in tier
Total Loans ?	$61.3M +6.9% YoY -1.0% QoQ	-$194.4M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 5.3% in tier
Total Deposits ?	$98.4M +7.9% YoY +4.8% QoQ	-$229.6M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 5.1% in tier
Return on Assets ?	1.40% +11.9% YoY +31.3% QoQ	+0.13%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	62%
Net Interest Margin ?	3.13% +3.4% YoY -0.6% QoQ	-0.80%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	15%
Efficiency Ratio ?	58.14% -4.3% YoY -7.1% QoQ	-7.14%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	65%
Delinquency Rate ?	0.00%	-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 ?	62.27% -1.0% YoY -5.5% QoQ	-14.37%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	14.49% +10.0% YoY +6.1% QoQ	-7.53%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.00%	-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 ?	11.39% -4.7% YoY -1.0% QoQ	-4.44%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.12% -2.2% YoY -76.7% QoQ	-0.16%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	61%

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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

#206 of 664 • Top 30.9% in tier

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

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 (3 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

578

Loan-to-Deposit Ratio

liquidity

Value: 62.27%

Peer Median: 76.64%

#578 of 2664 Top 21.7% in $100M-$1B

Top Weaknesses (5 metrics)

2573

Total Assets

size

Value: $112.27M

Peer Median: $386.08M

#2573 of 2664 Bottom 3.5% in $100M-$1B

2528

Total Deposits

size

Value: $98.39M

Peer Median: $327.97M

#2528 of 2664 Bottom 5.1% in $100M-$1B

2525

Total Loans

size

Value: $61.27M

Peer Median: $255.72M

#2525 of 2664 Bottom 5.3% in $100M-$1B

2254

Net Interest Margin

profitability

Value: 3.13%

Peer Median: 3.93%

#2254 of 2664 Bottom 15.4% in $100M-$1B

2072

Non-Interest-Bearing Deposit Share

funding

Value: 14.49%

Peer Median: 22.02%

#2072 of 2664 Bottom 22.3% in $100M-$1B