BlastPoint's Banking Scorecard
Bank of Calhoun County
Designations: ✓ Community bank
Hardin, IL
3 branches across 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +4.1% year over year ($89.7M on the books).
- Delinquency rate 0.23%.
- Return on assets 1.07%.
- Efficiency ratio 61.09% vs a 119.40% peer average.
- Loan-to-deposit ratio 58.44% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Calhoun County has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Efficiency Ratio 58.30% below tier average
- + Delinquency Rate 1.25% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.45% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$99.5M
+4.0% YoY
+2.6% QoQ
|
+$37.1M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Top 0.6% in tier |
| Total Loans ? |
$52.4M
+11.2% YoY
+1.6% QoQ
|
+$17.5M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$89.7M
+4.1% YoY
+2.8% QoQ
|
+$38.1M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 0.2% in tier |
| Return on Assets ? |
1.07%
+5.0% YoY
+13.6% QoQ
|
+0.08% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.46%
+6.7% YoY
+2.4% QoQ
|
-0.45% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
61.09%
+2.6% YoY
-7.1% QoQ
|
-58.30% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
72% |
| Delinquency Rate ? |
0.23%
+806.5% YoY
|
-1.25% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
58.44%
+6.8% YoY
-1.2% QoQ
|
-15.77% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
24.00%
+1.2% YoY
-0.4% QoQ
|
+0.51% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.12%
+869.2% YoY
|
-0.71% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
18.74%
-2.5% YoY
-2.7% QoQ
|
-8.39% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.11%
-8.2% YoY
+100.7% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
42% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
24.0%
+0.3pp YoY -0.1pp QoQ |
-0.6pp | 24.6% | 20.1% | 22.2% | 50% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
3.7%
+1.8pp YoY +0.1pp QoQ |
-9.7pp | 13.4% | 14.7% | 12.5% | 12% |
| CRE |
21.4%
+1.6pp YoY 0.0pp QoQ |
-3.9pp | 25.2% | 37.9% | 41.4% | 54% |
| 1-4 Family |
52.1%
-4.1pp YoY -0.8pp QoQ |
+17.2pp | 35.0% | 28.3% | 31.3% | 74% |
| Consumer |
5.0%
-0.9pp YoY 0.0pp QoQ |
-2.6pp | 7.7% | 5.4% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.7%
-0.5pp YoY -0.5pp QoQ |
-19.9pp | 38.7% | 19.9% | 19.7% | 38% |
| Leverage Ratio |
9.7%
+0.4pp YoY +0.1pp QoQ |
-8.0pp | 17.7% | 12.2% | 12.6% | 15% |
| Total Capital Ratio |
19.3%
-0.5pp YoY -0.5pp QoQ |
-20.4pp | 39.7% | 20.9% | 20.8% | 37% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
0 YoY 0 QoQ |
+2 | 12 | 228 | 482 | 67% |
| Assets per Employee ($) |
$7.1M
+4.0% YoY +2.6% QoQ |
+$921K | $6.2M | $8.3M | $8.8M | 67% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 10 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.2pp YoY +0.2pp QoQ |
-0.7pp | 1.0% | 0.4% | 0.4% | 37% |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage |
2.33x
-90.2% YoY -94.2% QoQ |
-4.08x | 6.41x | 5.62x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 34% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
+0.1pp YoY +1.4pp QoQ |
+4.9pp | 6.4% | 10.5% | 11.6% | 69% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.6% | 1.7% | 46% |
| Net Income ($, YTD) |
$525,000
+6.7% YoY — QoQ |
+$207K | $317,817 | $11.7M | $40.4M | 77% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.