BlastPoint's Banking Scorecard

Albank National Association

$100M-$1B Specialty: Commercial IL FDIC cert 17230

Chicago, IL

4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +1.1% year over year ($591.1M on the books).
Delinquency rate 1.14%.
Return on assets 0.79%.
Efficiency ratio 59.94% vs a 64.48% peer average.
Loan-to-deposit ratio 91.91% 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) →

Albank National Association has 1 strength but faces 7 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

+ Efficiency Ratio 4.54% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.9% in tier
- Liquidity Overhang: Bottom 34.6% in tier
- Flatlined Growth: Bottom 35.2% in tier
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.54% below tier average
- Net Interest Margin 0.74% below tier average
- Delinquency Rate 0.22% above tier average

Get updates when Albank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$721.8M +1.4% YoY -1.0% QoQ	+$335.2M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 11.6% in tier
Total Loans ?	$543.3M -4.0% YoY +0.9% QoQ	+$285.0M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 8.4% in tier
Total Deposits ?	$591.1M +1.1% YoY -1.6% QoQ	+$264.4M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 12.8% in tier
Return on Assets ?	0.79% +28.8% YoY +3.2% QoQ	-0.54%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	23%
Net Interest Margin ?	3.25% +12.1% YoY +4.6% QoQ	-0.74%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	59.94% -10.6% YoY -5.1% QoQ	-4.54%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	57%
Delinquency Rate ?	1.14% -39.2% YoY -0.9% QoQ	+0.22%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	91.91% -5.0% YoY +2.5% QoQ	+13.96%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	22.90% +3.5% YoY +2.1% QoQ	+0.87%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	59%
Nonperforming Asset Ratio ?	0.85% -42.4% YoY +1.1% QoQ	+0.19%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	25%
Tier 1 Capital Ratio ?	16.98% +1.6% YoY +1.8% QoQ	+1.08%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.05% -10.0% YoY +94.5% QoQ	-0.51%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 6.2% 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	22.9% +0.8pp YoY +0.5pp QoQ	+0.8pp	22.1%	20.1%	22.2%	59%
Brokered Deposits	n/a	n/a	7.9%	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	11.7% +4.2pp YoY +0.7pp QoQ	+0.1pp	11.6%	14.7%	12.5%	62%
CRE	82.7% -4.6pp YoY -1.0pp QoQ	+43.2pp	39.5%	37.9%	41.4%	98%
1-4 Family	6.6% +0.4pp YoY +0.4pp QoQ	-26.1pp	32.6%	28.3%	31.3%	7%
Consumer	0.0% -0.1pp YoY 0.0pp QoQ	-4.1pp	4.1%	5.4%	5.0%	1%

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	17.0% +0.3pp YoY +0.3pp QoQ	+4.8pp	12.2%	12.2%	12.6%	93%
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	68 +4 (+6.2%) YoY +3 (+4.6%) QoQ	+9	58	228	482	69%
Assets per Employee ($)	$10.6M -4.5% YoY -5.4% QoQ	+$3.1M	$7.5M	$8.3M	$8.8M	89%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	1.1% -0.7pp YoY 0.0pp QoQ	+0.2pp	0.9%	1.1%	1.0%	74%
Allowance Coverage	0.81x +55.6% YoY +10.7% QoQ	-23.34x	24.15x	5.62x	20.23x	21%
Net Charge-off Rate (YTD)	0.5% -0.5pp QoQ	+0.3pp	0.1%	0.1%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	4.6% +1.0pp YoY +0.1pp QoQ	-7.6pp	12.2%	10.5%	11.6%	12%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	50%
Net Income ($, YTD)	$2.9M +31.9% YoY — QoQ	+$302K	$2.6M	$11.7M	$40.4M	68%

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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 (3)

Liquidity Strain

risk

#21 of 691 • Bottom 2.9% 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: 91.91%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Liquidity Overhang

risk

#258 of 742 • Bottom 34.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.98%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 91.91%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#187 of 529 • Bottom 35.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.79%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 (4 metrics)

224

Total Loans

size

Value: $543.30M

Peer Median: $258.35M

#224 of 2643 Top 8.4% in $100M-$1B

308

Total Assets

size

Value: $721.80M

Peer Median: $386.57M

#308 of 2643 Top 11.6% in $100M-$1B

340

Total Deposits

size

Value: $591.11M

Peer Median: $326.73M

#340 of 2643 Top 12.8% in $100M-$1B

614

Tier 1 Capital Ratio

capital

Value: 16.98%

Peer Median: 15.91%

#614 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (5 metrics)

2481

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2481 of 2643 Bottom 6.2% in $100M-$1B

2178

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.99%

#2178 of 2643 Bottom 17.6% in $100M-$1B

2053

Loan-to-Deposit Ratio

liquidity

Value: 91.91%

Peer Median: 77.95%

#2053 of 2643 Bottom 22.4% in $100M-$1B

2044

Return on Assets

profitability

Value: 0.79%

Peer Median: 1.32%

#2044 of 2643 Bottom 22.7% in $100M-$1B

1996

Nonperforming Asset Ratio

credit_quality

Value: 0.85%

Peer Median: 0.67%

#1996 of 2643 Bottom 24.5% in $100M-$1B