BlastPoint's Banking Scorecard
Blackhawk Bank & Trust
Designations: ✓ Community bank
Milan, IL
19 branches across IL · IA
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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits +8.1% year over year ($1.6B on the books).
- Delinquency rate 0.09%.
- Return on assets 1.55%.
- Efficiency ratio 45.83% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.32% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Blackhawk Bank & Trust has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.15% above tier average
- + Efficiency Ratio 13.90% below tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.43% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+9.1% YoY
+4.2% QoQ
|
-$756.5M |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$1.3B
+9.5% YoY
+2.5% QoQ
|
-$708.2M |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$1.6B
+8.1% YoY
+1.9% QoQ
|
-$716.5M |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
1.55%
+68.9% YoY
+16.1% QoQ
|
+0.15% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
3.44%
+34.6% YoY
+7.5% QoQ
|
-0.43% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
45.83%
-22.2% YoY
-7.3% QoQ
|
-13.90% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 13.1% in tier |
| Delinquency Rate ? |
0.09%
-74.3% YoY
-4.0% QoQ
|
-0.77% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 11.0% in tier |
| Loan-to-Deposit Ratio ? |
78.32%
+1.3% YoY
+0.6% QoQ
|
-6.71% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
15.19%
-4.9% YoY
-1.2% QoQ
|
-6.08% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.92%
-12.9% YoY
-2.2% QoQ
|
+0.25% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
10.54%
+5.4% YoY
-2.2% QoQ
|
-4.30% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.0% in tier |
| Non-Interest Income / Assets ? |
0.22%
+29.8% YoY
+138.7% QoQ
|
-0.31% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
34% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
15.2%
-0.8pp YoY -0.2pp QoQ |
-6.2pp | 21.4% | 20.1% | 22.2% | 28% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
15.1%
+1.8pp YoY +0.1pp QoQ |
+1.1pp | 14.0% | 14.7% | 12.5% | 68% |
| CRE |
64.7%
-2.0pp YoY +0.7pp QoQ |
+14.7pp | 50.0% | 37.9% | 41.4% | 82% |
| 1-4 Family |
12.9%
+0.7pp YoY -0.5pp QoQ |
-13.5pp | 26.4% | 28.3% | 31.3% | 24% |
| Consumer |
1.6%
-0.2pp YoY 0.0pp QoQ |
-3.1pp | 4.7% | 5.4% | 5.0% | 56% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
10.5%
+0.5pp YoY -0.2pp QoQ |
-0.8pp | 11.3% | 12.2% | 12.6% | 51% |
| Total Capital Ratio | n/a | n/a | 16.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
240
+8 (+3.4%) YoY +3 (+1.3%) QoQ |
-74 | 313 | 228 | 482 | 52% |
| Assets per Employee ($) |
$8.5M
+5.5% YoY +2.9% QoQ |
-$2.0M | $10.5M | $8.3M | $8.8M | 48% |
| Branch Count |
19
0 YoY 0 QoQ |
-1 | 20 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 55% |
| Nonaccrual |
1.2%
-0.4pp YoY -0.1pp QoQ |
+0.4pp | 0.8% | 1.1% | 1.0% | 80% |
| Allowance Coverage |
10.96x
+313.1% YoY +14.8% QoQ |
-7.75x | 18.71x | 5.62x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.9%
+5.7pp YoY +2.3pp QoQ |
+3.4pp | 12.6% | 10.5% | 11.6% | 78% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.6% | 1.7% | 54% |
| Net Income ($, YTD) |
$15.2M
+77.0% YoY — QoQ |
-$4.0M | $19.2M | $11.7M | $40.4M | 60% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.