BlastPoint's Banking Scorecard

North Central Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 17241

Hennepin, IL

2 branches across IL

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

North Central Bank has 1 strength 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

+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 22.2% in tier
- Margin Compression: Bottom 31.8% in tier
- Credit Quality Pressure: Bottom 38.5% in tier
- Cost Spiral: Bottom 59.5% in tier
- Net Interest Margin 0.31% below 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 ?	$163.6M +6.3% YoY +2.7% QoQ	-$222.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$87.1M +3.8% YoY +1.4% QoQ	-$168.6M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 14.4% in tier
Total Deposits ?	$142.6M +5.8% YoY +3.9% QoQ	-$185.3M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	1.00% -15.4% YoY -29.5% QoQ	-0.27%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	38%
Net Interest Margin ?	3.62% +9.7% YoY +1.5% QoQ	-0.31%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	74.07% +7.4% YoY +15.5% QoQ	+8.79%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	24%
Delinquency Rate ?	0.35% +417.9% YoY +403.2% QoQ	-0.54%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	61.09% -1.9% YoY -2.4% QoQ	-15.54%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	14.54% -9.1% YoY -3.9% QoQ	-7.48%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.20% +462.6% YoY +239.9% QoQ	-0.43%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	12.18% -3.1% YoY -1.4% QoQ	-3.66%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.16% -27.4% YoY -79.3% QoQ	-0.12%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	75%

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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 (4)

Credit Risk Growth

risk

#217 of 973 • Bottom 22.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Margin Compression

decline

#98 of 305 • Bottom 31.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.00%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Credit Quality Pressure

risk

#505 of 1308 • Bottom 38.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.35%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Cost Spiral

risk

#76 of 126 • Bottom 59.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 74.07%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

537

Loan-to-Deposit Ratio

liquidity

Value: 61.09%

Peer Median: 76.64%

#537 of 2664 Top 20.1% in $100M-$1B

658

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#658 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (5 metrics)

2281

Total Loans

size

Value: $87.14M

Peer Median: $255.72M

#2281 of 2664 Bottom 14.4% in $100M-$1B

2191

Total Assets

size

Value: $163.60M

Peer Median: $386.08M

#2191 of 2664 Bottom 17.8% in $100M-$1B

2163

Total Deposits

size

Value: $142.63M

Peer Median: $327.97M

#2163 of 2664 Bottom 18.8% in $100M-$1B

2063

Non-Interest-Bearing Deposit Share

funding

Value: 14.54%

Peer Median: 22.02%

#2063 of 2664 Bottom 22.6% in $100M-$1B

2026

Efficiency Ratio

profitability

Value: 74.07%

Peer Median: 65.29%

#2026 of 2664 Bottom 24.0% in $100M-$1B