BlastPoint's Banking Scorecard

BankChampaign, National Association

$100M-$1B Specialty: Commercial IL FDIC cert 22434

Champaign, IL

2 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

BankChampaign, National Association has 5 strengths but faces 1 concern

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 26.6% in tier
+ Profitability Leader: Top 40.2% in tier
+ Delinquency Rate 0.89% below tier average
+ Net Interest Margin 0.47% above tier average
+ Efficiency Ratio 3.57% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 23.3% in tier

Get updates when BankChampaign, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$256.6M +7.1% YoY +1.9% QoQ	-$129.4M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$199.1M +1.4% YoY -6.2% QoQ	-$56.6M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$207.3M +9.8% YoY +2.4% QoQ	-$120.7M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	36%
Return on Assets ?	1.93% +25.1% YoY +3.5% QoQ	+0.67%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 14.1% in tier
Net Interest Margin ?	4.40% +6.2% YoY -0.0% QoQ	+0.47%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	61.71% -8.6% YoY -1.5% QoQ	-3.57%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	54%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	96.05% -7.6% YoY -8.4% QoQ	+19.41%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 14.0% in tier
Non-Interest-Bearing Deposit Share ?	16.13% -1.8% YoY +8.1% QoQ	-5.89%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.24% -13.1% YoY -2.5% QoQ	-0.40%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	14.65% +7.6% YoY +5.5% QoQ	-1.18%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.25% +0.5% YoY -75.5% QoQ	-0.03%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 9.3% in tier

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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 (2)

Revenue Diversifier

growth

#178 of 666 • Top 26.6% 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: 0.25%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.93%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#269 of 666 • Top 40.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.93%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#151 of 643 • Bottom 23.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.05%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

250

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#250 of 2664 Top 9.3% in $100M-$1B

377

Return on Assets

profitability

Value: 1.93%

Peer Median: 1.27%

#377 of 2664 Top 14.1% in $100M-$1B

591

Net Interest Margin

profitability

Value: 4.40%

Peer Median: 3.93%

#591 of 2664 Top 22.1% in $100M-$1B

Top Weaknesses (1 metrics)

2292

Loan-to-Deposit Ratio

liquidity

Value: 96.05%

Peer Median: 76.64%

#2292 of 2664 Bottom 14.0% in $100M-$1B