BlastPoint's Banking Scorecard

Bank of Calhoun County

under $100M Specialty: Other IL FDIC cert 12549

Designations: ✓ Community bank

Hardin, IL

3 branches across IL

541 banks in the under $100M peer group nationally 61 in IL

Bank of Calhoun County has 3 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

+ ROA 0.11% above tier average
+ Efficiency Ratio 22.56% below tier average
+ Delinquency Rate 1.36% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.48% below tier average

Get updates when Bank of Calhoun County releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$97.0M -0.3% YoY +0.2% QoQ	+$34.8M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 3.9% in tier
Total Loans ?	$51.6M +9.9% YoY +0.1% QoQ	+$17.3M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$87.3M -0.9% YoY +0.2% QoQ	+$35.5M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 0.9% in tier
Return on Assets ?	0.95% +7.1% YoY -4.4% QoQ	+0.11%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	3.38% +9.4% YoY +1.3% QoQ	-0.48%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	65.79% +7.7% YoY +5.0% QoQ	-22.56%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	63%
Delinquency Rate ?	0.01% -29.2% YoY -22.3% QoQ	-1.36%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	59.12% +10.9% YoY -0.1% QoQ	-5.09%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	24.10% -4.4% YoY -1.7% QoQ	+0.39%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	0.01% -22.0% YoY -22.4% QoQ	-0.78%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	19.26% -14.0% YoY +4.8% QoQ	-7.42%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.05% -7.0% YoY -77.4% QoQ	-0.61%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	45%

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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 541 peers in under $100M

Top Strengths (3 metrics)

Total Deposits

size

Value: $87.25M

Peer Median: $51.74M

#6 of 541 Top 0.9% in under $100M

Total Assets

size

Value: $97.00M

Peer Median: $62.16M

#22 of 541 Top 3.9% in under $100M

116

Total Loans

size

Value: $51.59M

Peer Median: $34.25M

#116 of 541 Top 21.3% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available