BlastPoint's Banking Scorecard

BankChampaign, National Association

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

Champaign, IL

2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +5.7% year over year ($193.3M on the books).
Delinquency rate 0.00%.
Return on assets 2.14%.
Efficiency ratio 58.94% vs a 64.48% peer average.
Loan-to-deposit ratio 100.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (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

+ Profitability Leader: Top 18.2% in tier
+ Revenue Diversifier: Top 20.7% in tier
+ Delinquency Rate 0.92% below tier average
+ Net Interest Margin 0.54% above tier average
+ Efficiency Ratio 5.54% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.8% in tier

Get updates when BankChampaign, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$242.8M +3.8% YoY -5.4% QoQ	-$143.7M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	35%
Total Loans ?	$193.7M -3.6% YoY -2.7% QoQ	-$64.7M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	47%
Total Deposits ?	$193.3M +5.7% YoY -6.8% QoQ	-$133.5M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	2.14% +30.6% YoY +10.8% QoQ	+0.82%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Top 9.9% in tier
Net Interest Margin ?	4.53% +5.9% YoY +2.9% QoQ	+0.54%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	58.94% -9.7% YoY -4.5% QoQ	-5.54%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	60%
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	100.21% -8.8% YoY +4.3% QoQ	+22.26%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 10.0% in tier
Non-Interest-Bearing Deposit Share ?	15.31% +10.7% YoY -5.1% QoQ	-6.72%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	26%
Nonperforming Asset Ratio ?	0.26% -9.2% YoY +5.7% QoQ	-0.41%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	55%
Tier 1 Capital Ratio ?	14.63% +6.2% YoY -0.1% QoQ	-1.28%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.53% +4.5% YoY +115.2% QoQ	-0.03%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 8.6% in tier

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	15.3% +1.5pp YoY -0.8pp QoQ	-6.8pp	22.1%	20.1%	22.2%	25%
Brokered Deposits	2.6% +0.4pp YoY +0.2pp QoQ	-5.3pp	7.9%	8.0%	8.5%	35%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	13.2% +2.1pp YoY 0.0pp QoQ	+1.6pp	11.6%	14.7%	12.5%	69%
CRE	59.2% -3.5pp YoY -2.5pp QoQ	+19.7pp	39.5%	37.9%	41.4%	83%
1-4 Family	24.5% +2.3pp YoY +2.4pp QoQ	-8.1pp	32.6%	28.3%	31.3%	40%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-3.9pp	4.1%	5.4%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	14.6% +0.9pp YoY 0.0pp QoQ	-4.2pp	18.8%	19.9%	19.7%	46%
Leverage Ratio	11.8% -0.2pp YoY -0.2pp QoQ	-0.3pp	12.2%	12.2%	12.6%	63%
Total Capital Ratio	15.9% +0.9pp YoY 0.0pp QoQ	-4.1pp	19.9%	20.9%	20.8%	47%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	33 +3 (+10.0%) YoY +2 (+6.5%) QoQ	-26	58	228	482	31%
Assets per Employee ($)	$7.4M -5.6% YoY -11.1% QoQ	-$159K	$7.5M	$8.3M	$8.8M	58%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.1%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	5.62x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	18.3% +4.3pp YoY +1.6pp QoQ	+6.1pp	12.2%	10.5%	11.6%	83%
Cost of Funds (YTD)	1.7% 0.0pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	54%
Net Income ($, YTD)	$2.7M +36.6% YoY — QoQ	+$131K	$2.6M	$11.7M	$40.4M	65%

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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)

Profitability Leader

growth

#121 of 661 • Top 18.2% in tier

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

Why this signature

Return on Assets: 2.14%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#138 of 661 • Top 20.7% 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: 0.53%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.14%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#96 of 691 • Bottom 13.8% 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: 100.21%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

228

Non-Interest Income / Assets

revenue_mix

Value: 0.53%

Peer Median: 0.57%

#228 of 2643 Top 8.6% in $100M-$1B

263

Return on Assets

profitability

Value: 2.14%

Peer Median: 1.32%

#263 of 2643 Top 9.9% in $100M-$1B

512

Net Interest Margin

profitability

Value: 4.53%

Peer Median: 3.99%

#512 of 2643 Top 19.3% in $100M-$1B

Top Weaknesses (1 metrics)

2379

Loan-to-Deposit Ratio

liquidity

Value: 100.21%

Peer Median: 77.95%

#2379 of 2643 Bottom 10.0% in $100M-$1B