BlastPoint's Banking Scorecard
Community Bank of Easton
Designations: ✓ Community bank
Easton, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +19.6% year over year ($34.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.29%.
- Efficiency ratio 79.22% vs a 119.40% peer average.
- Loan-to-deposit ratio 54.51% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Easton has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 40.17% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.36% below tier average
- - ROA 0.70% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.0M
+9.4% YoY
-4.1% QoQ
|
-$19.4M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$18.6M
+20.5% YoY
+26.3% QoQ
|
-$16.3M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$34.1M
+19.6% YoY
-4.8% QoQ
|
-$17.5M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
0.29%
-87.1% YoY
-43.2% QoQ
|
-0.70% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
4.32%
+3.1% YoY
-0.5% QoQ
|
+0.40% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
79.22%
+139.4% YoY
+2.2% QoQ
|
-40.17% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
54.51%
+0.8% YoY
+32.7% QoQ
|
-19.70% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
18.39%
+25.1% YoY
-13.8% QoQ
|
-5.10% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
34% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
16.32%
-38.0% YoY
+4.1% QoQ
|
-10.81% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.02%
-51.3% YoY
+108.5% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.3% in tier |
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 |
18.4%
+3.7pp YoY -2.9pp QoQ |
-6.2pp | 24.6% | 20.1% | 22.2% | 30% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
20.1%
+1.8pp YoY -6.0pp QoQ |
+6.7pp | 13.4% | 14.7% | 12.5% | 79% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
2.2%
-1.0pp YoY -0.6pp QoQ |
-32.8pp | 35.0% | 28.3% | 31.3% | 9% |
| Consumer |
10.5%
-8.0pp YoY -3.2pp QoQ |
+2.8pp | 7.7% | 5.4% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
16.3%
-10.0pp YoY +0.6pp QoQ |
-1.4pp | 17.7% | 12.2% | 12.6% | 76% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
+4 (+133.3%) YoY +1 (+16.7%) QoQ |
-5 | 12 | 228 | 482 | 20% |
| Assets per Employee ($) |
$6.1M
-53.1% YoY -17.8% QoQ |
-$44K | $6.2M | $8.3M | $8.8M | 53% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.6%
-7.1pp YoY -1.2pp QoQ |
-4.8pp | 6.4% | 10.5% | 11.6% | 17% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY +0.1pp QoQ |
-0.1pp | 1.4% | 1.6% | 1.7% | 46% |
| Net Income ($, YTD) |
$65,000
-86.0% YoY — QoQ |
-$253K | $317,817 | $11.7M | $40.4M | 19% |
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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.