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Better Banks

$100M-$1B Specialty: Other IL FDIC cert 1808

Peoria, IL

9 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 +3.6% year over year ($407.0M on the books).
  • Delinquency rate 1.57%.
  • Return on assets 1.14%.
  • Efficiency ratio 71.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.86% 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) →

Better Banks 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

  • + Revenue Diversifier: Top 36.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 4.8% in tier
  • - Credit Quality Pressure: Bottom 48.6% in tier
  • - ROA 0.19% below tier average
  • - Net Interest Margin 0.11% below tier average
  • - Efficiency Ratio 7.33% above tier average
Get updates when Better Banks releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $445.8M
+4.3% YoY +4.7% QoQ
+$59.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $296.5M
+3.4% YoY +2.9% QoQ
+$38.2M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $407.0M
+3.6% YoY +4.8% QoQ
+$80.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 1.14%
+24.4% YoY -7.3% QoQ
-0.19% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
43%
Net Interest Margin ? 3.88%
+16.0% YoY -0.3% QoQ
-0.11% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 71.81%
-1.6% YoY +3.7% QoQ
+7.33% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 1.57%
+0.8% YoY +10.9% QoQ
+0.65% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
18%
Loan-to-Deposit Ratio ? 72.86%
-0.2% YoY -1.8% QoQ
-5.09% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 19.62%
+9.5% YoY +2.2% QoQ
-2.41% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 1.14%
-11.0% YoY +18.9% QoQ
+0.47% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 13.36%
+1.7% YoY -0.1% QoQ
-2.55% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.65%
-1.3% YoY +101.1% QoQ
+0.09% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 6.3% 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 19.6%
+1.7pp YoY
+0.4pp QoQ
 -2.5pp 22.1% 20.1% 22.2% 44%
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 5.6%
-1.3pp YoY
0.0pp QoQ
 -6.0pp 11.6% 14.7% 12.5% 23%
CRE 12.9%
+1.2pp YoY
+0.3pp QoQ
 -26.6pp 39.5% 37.9% 41.4% 8%
1-4 Family 32.5%
+1.0pp YoY
-0.6pp QoQ
 -0.1pp 32.6% 28.3% 31.3% 56%
Consumer 39.8%
-1.7pp YoY
-0.2pp QoQ
 +35.7pp 4.1% 5.4% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 13.4%
+0.2pp YoY
0.0pp QoQ
 -5.5pp 18.8% 19.9% 19.7% 32%
Leverage Ratio 9.4%
+0.3pp YoY
0.0pp QoQ
 -2.7pp 12.2% 12.2% 12.6% 20%
Total Capital Ratio 14.6%
+0.2pp YoY
0.0pp QoQ
 -5.3pp 19.9% 20.9% 20.8% 33%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 82
+7 (+9.3%) YoY
+3 (+3.8%) QoQ
 +23 58 228 482 78%
Assets per Employee ($) $5.4M
-4.6% YoY
+0.8% QoQ
 -$2.1M $7.5M $8.3M $8.8M 21%
Branch Count 9
-1 (-10.0%) YoY
0 QoQ
 +4 4 10 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 25%
Nonaccrual 1.6%
+0.2pp YoY
+0.2pp QoQ
 +0.6pp 0.9% 1.1% 1.0% 82%
Allowance Coverage 0.85x
+3.7% YoY
-10.7% QoQ
 -23.30x 24.15x 5.62x 20.23x 22%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 14.1%
+1.2pp YoY
-1.0pp QoQ
 +1.9pp 12.2% 10.5% 11.6% 63%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 14%
Net Income ($, YTD) $2.5M
+24.7% YoY
— QoQ
 -$85K $2.6M $11.7M $40.4M 61%

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
#241 of 661 • Top 36.3% 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: 0.65%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.14%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#46 of 936 • Bottom 4.8% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#611 of 1256 • Bottom 48.6% in tier

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

Why this signature
Delinquency Rate: 1.57%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

168
Non-Interest Income / Assets
revenue_mix
Value: 0.65%
Peer Median: 0.57%
#168 of 2643 Top 6.3% in $100M-$1B

Top Weaknesses (2 metrics)

2186
Nonperforming Asset Ratio
credit_quality
Value: 1.14%
Peer Median: 0.67%
#2186 of 2643 Bottom 17.3% in $100M-$1B
2168
Delinquency Rate
credit_quality
Value: 1.57%
Peer Median: 0.92%
#2168 of 2633 Bottom 17.7% in $100M-$1B
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