BlastPoint's Banking Scorecard

Blackhawk Bank & Trust

$1B-$10B Specialty: Commercial IL FDIC cert 18402

Designations: ✓ Community bank

Milan, IL

19 branches across IL · IA

884 banks in the $1B-$10B peer group nationally 50 in IL

Blackhawk Bank & Trust has 2 strengths but faces 2 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 11.64% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 18.1% in tier
- Net Interest Margin 0.61% 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 ?	$2.0B +2.0% YoY +2.5% QoQ	-$860.4M	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$1.2B +8.1% YoY +2.4% QoQ	-$740.9M	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$1.6B +12.8% YoY -0.6% QoQ	-$771.0M	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.33% +60.4% YoY +25.5% QoQ	-0.03%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	3.20% +31.2% YoY +14.0% QoQ	-0.61%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	49.42% -18.4% YoY -10.8% QoQ	-11.64%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.10% -72.8% YoY -70.9% QoQ	-0.79%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 11.4% in tier
Loan-to-Deposit Ratio ?	77.84% -4.2% YoY +3.1% QoQ	-6.36%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	15.38% -9.2% YoY -0.2% QoQ	-5.91%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	29%
Nonperforming Asset Ratio ?	0.94% -6.9% YoY -11.1% QoQ	+0.27%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	22%
Tier 1 Capital Ratio ?	10.78% +6.9% YoY +3.1% QoQ	-4.38%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 13.6% in tier
Non-Interest Income / Assets ?	0.09% +19.2% YoY -72.9% QoQ	-0.17%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	28%

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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 (1)

Capital Thin

risk

#41 of 221 • Bottom 18.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.78%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (2 metrics)

101

Delinquency Rate

credit_quality

Value: 0.10%

Peer Median: 0.89%

#101 of 880 Top 11.4% in $1B-$10B

180

Efficiency Ratio

profitability

Value: 49.42%

Peer Median: 61.06%

#180 of 884 Top 20.2% in $1B-$10B

Top Weaknesses (3 metrics)

765

Tier 1 Capital Ratio

capital

Value: 10.78%

Peer Median: 15.16%

#765 of 884 Bottom 13.6% in $1B-$10B

690

Nonperforming Asset Ratio

credit_quality

Value: 0.94%

Peer Median: 0.67%

#690 of 884 Bottom 22.1% in $1B-$10B

669

Net Interest Margin

profitability

Value: 3.20%

Peer Median: 3.82%

#669 of 884 Bottom 24.4% in $1B-$10B