BlastPoint's Banking Scorecard
Better Banks
Peoria, IL
10 branches across IL
Better Banks has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 28.5% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 35.0% in tier
- - Deposit Outflow: Bottom 41.5% in tier
- - Efficiency Ratio 3.98% above tier average
- - Delinquency Rate 0.53% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$425.9M
-1.3% YoY
-1.7% QoQ
|
+$39.8M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$288.2M
+1.8% YoY
+0.2% QoQ
|
+$32.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$388.4M
-2.3% YoY
-1.6% QoQ
|
+$60.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
1.22%
+35.9% YoY
+29.3% QoQ
|
-0.04% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
3.89%
+19.7% YoY
+10.6% QoQ
|
-0.04% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
69.27%
-7.0% YoY
-2.8% QoQ
|
+3.98% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
1.42%
-5.7% YoY
+17.4% QoQ
|
+0.53% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
74.21%
+4.2% YoY
+1.8% QoQ
|
-2.43% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
19.19%
-3.1% YoY
+1.8% QoQ
|
-2.83% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.96%
-21.3% YoY
-7.2% QoQ
|
+0.32% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
13.37%
+0.2% YoY
+0.1% QoQ
|
-2.46% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
+0.1% YoY
-75.6% QoQ
|
+0.04% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 6.2% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.