BlastPoint's Banking Scorecard

Devon Bank

$100M-$1B Specialty: Commercial IL FDIC cert 16249

Designations: ✓ Minority Depository Institution

Chicago, IL

3 branches across IL

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

Devon Bank has 2 strengths but faces 5 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

+ Non-Interest-Bearing Deposit Share 20.10% above tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 1.3% in tier
- Deposit Outflow: Bottom 29.6% in tier
- Return on Assets 1.60% below tier average
- Net Interest Margin 1.00% below tier average
- Efficiency Ratio 49.94% 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 ?	$436.1M -9.4% YoY -4.5% QoQ	+$50.0M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$196.3M -5.9% YoY -1.3% QoQ	-$59.5M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$280.1M -12.8% YoY -6.8% QoQ	-$47.9M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	51%
Return on Assets ?	-0.33% +30.1% YoY -134.0% QoQ	-1.60%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 2.2% in tier
Net Interest Margin ?	2.93% +9.8% YoY +6.6% QoQ	-1.00%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 9.4% in tier
Efficiency Ratio ?	115.22% -6.5% YoY +5.1% QoQ	+49.94%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 1.1% in tier
Delinquency Rate ?	0.17% -3.5% YoY +0.2% QoQ	-0.72%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	70.07% +8.0% YoY +5.9% QoQ	-6.57%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	42.12% +1.5% YoY -3.6% QoQ	+20.10%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 3.6% in tier
Nonperforming Asset Ratio ?	0.08% +0.3% YoY +3.5% QoQ	-0.56%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	73%
Tier 1 Capital Ratio ?	9.88% +7.6% YoY -0.0% QoQ	-5.95%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 8.4% in tier
Non-Interest Income / Assets ?	0.29% -1.9% YoY -81.5% QoQ	+0.01%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 7.2% 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 (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#10 of 666 • Bottom 1.3% 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: 9.88%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#151 of 506 • Bottom 29.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 42.12%

Peer Median: 22.02%

#98 of 2664 Top 3.6% in $100M-$1B

193

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.28%

#193 of 2664 Top 7.2% in $100M-$1B

Top Weaknesses (4 metrics)

2637

Efficiency Ratio

profitability

Value: 115.22%

Peer Median: 65.29%

#2637 of 2664 Bottom 1.1% in $100M-$1B

2606

Return on Assets

profitability

Value: -0.33%

Peer Median: 1.27%

#2606 of 2664 Bottom 2.2% in $100M-$1B

2440

Tier 1 Capital Ratio

capital

Value: 9.88%

Peer Median: 15.83%

#2440 of 2664 Bottom 8.4% in $100M-$1B

2415

Net Interest Margin

profitability

Value: 2.93%

Peer Median: 3.93%

#2415 of 2664 Bottom 9.4% in $100M-$1B