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Brickyard Bank

$100M-$1B Specialty: Commercial IL FDIC cert 22811

Lincolnwood, IL

3 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Brickyard Bank has 5 strengths but faces 3 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

  • + Credit Quality Leader: Top 39.9% in tier
  • + Deposit Franchise: Top 59.9% in tier
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + ROA 0.15% above tier average
  • + Efficiency Ratio 5.19% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 12.6% in tier
  • - Liquidity Strain: Bottom 32.3% in tier
  • - Non-Interest Income / Assets 0.25% below tier average
Get updates when Brickyard Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $165.8M
-3.7% YoY -6.5% QoQ
-$220.3M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
18%
Total Loans ? $122.2M
+3.0% YoY -0.6% QoQ
-$133.5M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
27%
Total Deposits ? $125.4M
+3.3% YoY -8.6% QoQ
-$202.6M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
Bottom 13.7% in tier
Return on Assets ? 1.42%
+27.0% YoY +33.2% QoQ
+0.15% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
63%
Net Interest Margin ? 4.49%
+14.9% YoY +14.4% QoQ
+0.56% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
82%
Efficiency Ratio ? 60.09%
-6.8% YoY -3.7% QoQ
-5.19% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
60%
Delinquency Rate ? 0.00%
-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 ? 97.47%
-0.3% YoY +8.7% QoQ
+20.83% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
Bottom 11.7% in tier
Non-Interest-Bearing Deposit Share ? 37.57%
-9.7% YoY +8.6% QoQ
+15.55% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
Top 6.9% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% QoQ
-0.64% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 21.47%
+5.7% YoY +1.3% QoQ
+5.64% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
Top 10.8% in tier
Non-Interest Income / Assets ? 0.03%
+14.8% YoY -77.3% QoQ
-0.25% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
Bottom 6.1% in tier

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)

Credit Quality Leader

growth
#266 of 664 • Top 39.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Deposit Franchise

growth
#164 of 272 • Top 59.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 37.57%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.49%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ

Concerns (2)

Liquidity Overhang

risk
#94 of 739 • Bottom 12.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.47%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 97.47%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#209 of 643 • Bottom 32.3% 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: 97.47%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
185
Non-Interest-Bearing Deposit Share
funding
Value: 37.57%
Peer Median: 22.02%
#185 of 2664 Top 6.9% in $100M-$1B
288
Tier 1 Capital Ratio
capital
Value: 21.47%
Peer Median: 15.83%
#288 of 2664 Top 10.8% in $100M-$1B
493
Net Interest Margin
profitability
Value: 4.49%
Peer Median: 3.93%
#493 of 2664 Top 18.5% in $100M-$1B

Top Weaknesses (4 metrics)

2502
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.28%
#2502 of 2664 Bottom 6.1% in $100M-$1B
2353
Loan-to-Deposit Ratio
liquidity
Value: 97.47%
Peer Median: 76.64%
#2353 of 2664 Bottom 11.7% in $100M-$1B
2300
Total Deposits
size
Value: $125.42M
Peer Median: $327.97M
#2300 of 2664 Bottom 13.7% in $100M-$1B
2175
Total Assets
size
Value: $165.77M
Peer Median: $386.08M
#2175 of 2664 Bottom 18.4% in $100M-$1B
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