BlastPoint's Banking Scorecard

TrustBank

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

Olney, IL

8 branches across IL · AZ

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

TrustBank has 4 strengths but faces 4 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

+ Revenue Diversifier: Top 11.6% in tier
+ ROA 0.58% above tier average
+ Net Interest Margin 0.06% above tier average
+ Efficiency Ratio 1.12% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 20.2% in tier
- Capital Thin: Bottom 40.1% in tier
- Nonperforming Asset Ratio 1.07% above tier average
- Delinquency Rate 1.17% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$636.3M +6.3% YoY +1.3% QoQ	+$250.3M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$508.6M +4.0% YoY +0.8% QoQ	+$252.9M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 10.1% in tier
Total Deposits ?	$556.6M +7.5% YoY +2.5% QoQ	+$228.6M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.85% -0.3% YoY +16.3% QoQ	+0.58%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	3.99% +4.6% YoY -0.3% QoQ	+0.06%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	64.16% +0.3% YoY -3.0% QoQ	-1.12%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	2.06% +364.7% YoY +37.8% QoQ	+1.17%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 11.9% in tier
Loan-to-Deposit Ratio ?	91.38% -3.2% YoY -1.7% QoQ	+14.74%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	20.17% +5.1% YoY +4.7% QoQ	-1.85%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	1.71% +372.9% YoY +29.2% QoQ	+1.07%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 9.1% in tier
Tier 1 Capital Ratio ?	9.53% +2.8% YoY +1.7% QoQ	-6.30%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 4.8% in tier
Non-Interest Income / Assets ?	0.38% +8.2% YoY -72.9% QoQ	+0.10%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 4.7% in tier

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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

#78 of 666 • Top 11.6% 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: 0.38%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.85%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#131 of 643 • Bottom 20.2% 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: 91.38%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Thin

risk

#268 of 666 • Bottom 40.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.53%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (5 metrics)

125

Non-Interest Income / Assets

revenue_mix

Value: 0.38%

Peer Median: 0.28%

#125 of 2664 Top 4.7% in $100M-$1B

271

Total Loans

size

Value: $508.59M

Peer Median: $255.72M

#271 of 2664 Top 10.1% in $100M-$1B

420

Total Deposits

size

Value: $556.59M

Peer Median: $327.97M

#420 of 2664 Top 15.7% in $100M-$1B

449

Total Assets

size

Value: $636.35M

Peer Median: $386.08M

#449 of 2664 Top 16.8% in $100M-$1B

453

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.27%

#453 of 2664 Top 17.0% in $100M-$1B

Top Weaknesses (4 metrics)

2537

Tier 1 Capital Ratio

capital

Value: 9.53%

Peer Median: 15.83%

#2537 of 2664 Bottom 4.8% in $100M-$1B

2423

Nonperforming Asset Ratio

credit_quality

Value: 1.71%

Peer Median: 0.64%

#2423 of 2664 Bottom 9.1% in $100M-$1B

2339

Delinquency Rate

credit_quality

Value: 2.06%

Peer Median: 0.89%

#2339 of 2654 Bottom 11.9% in $100M-$1B

2081

Loan-to-Deposit Ratio

liquidity

Value: 91.38%

Peer Median: 76.64%

#2081 of 2664 Bottom 21.9% in $100M-$1B