BlastPoint's Banking Scorecard

TrustBank

$100M-$1B Specialty: Commercial IL FDIC cert 14662

Olney, IL

8 branches across IL · AZ

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 +10.0% year over year ($557.6M on the books).
Delinquency rate 0.74%.
Return on assets 1.94%.
Efficiency ratio 61.31% vs a 64.48% peer average.
Loan-to-deposit ratio 97.00% 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) →

TrustBank has 5 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

+ Revenue Diversifier: Top 10.9% in tier
+ ROA 0.62% above tier average
+ Net Interest Margin 0.18% above tier average
+ Efficiency Ratio 3.16% below tier average
+ Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 47.9% in tier

Get updates when TrustBank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$640.2M +7.6% YoY +0.6% QoQ	+$253.7M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$540.8M +7.0% YoY +6.3% QoQ	+$282.5M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 8.6% in tier
Total Deposits ?	$557.6M +10.0% YoY +0.2% QoQ	+$230.8M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	85%
Return on Assets ?	1.94% +10.8% YoY +5.2% QoQ	+0.62%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Top 14.5% in tier
Net Interest Margin ?	4.17% +5.6% YoY +4.4% QoQ	+0.18%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	61.31% -3.0% YoY -4.4% QoQ	-3.16%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.74% -58.1% YoY -64.1% QoQ	-0.18%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	97.00% -2.7% YoY +6.2% QoQ	+19.05%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 13.7% in tier
Non-Interest-Bearing Deposit Share ?	18.23% -3.7% YoY -9.6% QoQ	-3.80%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	37%
Nonperforming Asset Ratio ?	1.41% -6.0% YoY -17.7% QoQ	+0.74%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 13.1% in tier
Tier 1 Capital Ratio ?	9.81% +3.9% YoY +3.0% QoQ	-6.09%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 8.3% in tier
Non-Interest Income / Assets ?	0.78% +13.3% YoY +104.0% QoQ	+0.22%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 5.0% in tier

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	18.2% -0.7pp YoY -1.9pp QoQ	-3.9pp	22.1%	20.1%	22.2%	37%
Brokered Deposits	1.8% 0.0pp QoQ	-6.1pp	7.9%	8.0%	8.5%	28%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	5.6% -0.9pp YoY -0.9pp QoQ	-6.0pp	11.6%	14.7%	12.5%	23%
CRE	35.3% -0.2pp YoY +1.7pp QoQ	-4.2pp	39.5%	37.9%	41.4%	44%
1-4 Family	34.2% -0.7pp YoY -1.0pp QoQ	+1.6pp	32.6%	28.3%	31.3%	60%
Consumer	1.0% -0.2pp YoY -0.1pp QoQ	-3.1pp	4.1%	5.4%	5.0%	28%

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	9.8% +0.4pp YoY +0.3pp QoQ	-2.4pp	12.2%	12.2%	12.6%	27%
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	107 +3 (+2.9%) YoY +2 (+1.9%) QoQ	+48	58	228	482	89%
Assets per Employee ($)	$6.0M +4.6% YoY -1.3% QoQ	-$1.5M	$7.5M	$8.3M	$8.8M	33%
Branch Count	8 0 YoY 0 QoQ	+3	4	10	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% -0.7pp YoY -0.1pp QoQ	0.0pp	0.3%	0.4%	0.4%	74%
Nonaccrual	0.4% -0.3pp YoY -1.2pp QoQ	-0.5pp	0.9%	1.1%	1.0%	49%
Allowance Coverage	1.56x +130.0% YoY +157.7% QoQ	-22.59x	24.15x	5.62x	20.23x	40%
Net Charge-off Rate (YTD)	0.3% +0.3pp YoY +0.3pp QoQ	+0.1pp	0.1%	0.1%	0.2%	89%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	19.7% +1.4pp YoY +0.8pp QoQ	+7.5pp	12.2%	10.5%	11.6%	88%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.6%	1.7%	68%
Net Income ($, YTD)	$6.2M +18.6% YoY — QoQ	+$3.6M	$2.6M	$11.7M	$40.4M	92%

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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)

Revenue Diversifier

growth

#73 of 661 • Top 10.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.78%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.94%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#332 of 691 • Bottom 47.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.00%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

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 (5 metrics)

132

Non-Interest Income / Assets

revenue_mix

Value: 0.78%

Peer Median: 0.57%

#132 of 2643 Top 5.0% in $100M-$1B

227

Total Loans

size

Value: $540.84M

Peer Median: $258.35M

#227 of 2643 Top 8.6% in $100M-$1B

385

Return on Assets

profitability

Value: 1.94%

Peer Median: 1.32%

#385 of 2643 Top 14.5% in $100M-$1B

408

Total Deposits

size

Value: $557.57M

Peer Median: $326.73M

#408 of 2643 Top 15.4% in $100M-$1B

438

Total Assets

size

Value: $640.22M

Peer Median: $386.57M

#438 of 2643 Top 16.5% in $100M-$1B

Top Weaknesses (3 metrics)

2425

Tier 1 Capital Ratio

capital

Value: 9.81%

Peer Median: 15.91%

#2425 of 2643 Bottom 8.3% in $100M-$1B

2298

Nonperforming Asset Ratio

credit_quality

Value: 1.41%

Peer Median: 0.67%

#2298 of 2643 Bottom 13.1% in $100M-$1B

2283

Loan-to-Deposit Ratio

liquidity

Value: 97.00%

Peer Median: 77.95%

#2283 of 2643 Bottom 13.7% in $100M-$1B