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Brickyard Bank

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

Lincolnwood, IL

3 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 +4.7% year over year ($123.1M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 1.35%.
  • Efficiency ratio 60.54% vs a 64.48% peer average.
  • Loan-to-deposit ratio 96.07% 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) →

Brickyard Bank has 3 strengths but faces 5 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

  • + Deposit Franchise: Top 48.9% in tier
  • + Efficiency Ratio 3.94% below tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 6.2% in tier
  • - Liquidity Overhang: Bottom 10.8% in tier
  • - Credit Quality Pressure: Bottom 14.1% in tier
  • - Liquidity Strain: Bottom 27.8% in tier
  • - Non-Interest Income / Assets 0.51% below tier average
Get updates when Brickyard Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $159.0M
-3.4% YoY -4.1% QoQ
-$227.6M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $118.3M
+3.0% YoY -3.3% QoQ
-$140.1M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $123.1M
+4.7% YoY -1.9% QoQ
-$203.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 13.1% in tier
Return on Assets ? 1.35%
+43.6% YoY -5.4% QoQ
+0.02% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 4.55%
+17.2% YoY +1.5% QoQ
+0.56% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 60.54%
-6.9% YoY +0.7% QoQ
-3.94% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.13%
+103.6% YoY
-0.79% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 96.07%
-1.6% YoY -1.4% QoQ
+18.12% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 14.9% in tier
Non-Interest-Bearing Deposit Share ? 39.21%
+18.6% YoY +4.4% QoQ
+17.18% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Top 5.5% in tier
Nonperforming Asset Ratio ? 0.09%
+117.1% YoY
-0.57% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 23.63%
+9.4% YoY +10.0% QoQ
+7.72% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 8.2% in tier
Non-Interest Income / Assets ? 0.05%
+1.2% YoY +111.1% QoQ
-0.51% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Bottom 6.2% 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 39.2%
+6.2pp YoY
+1.6pp QoQ
 +17.1pp 22.1% 20.1% 22.2% 94%
Brokered Deposits n/a n/a 7.9% 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 6.8%
-4.2pp YoY
-3.6pp QoQ
 -4.8pp 11.6% 14.7% 12.5% 31%
CRE 76.7%
+3.0pp YoY
+1.4pp QoQ
 +37.2pp 39.5% 37.9% 41.4% 96%
1-4 Family 17.6%
+1.3pp YoY
+2.3pp QoQ
 -15.0pp 32.6% 28.3% 31.3% 25%
Consumer 0.2%
-0.1pp 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 23.6%
+2.0pp YoY
+2.2pp QoQ
 +4.8pp 18.8% 19.9% 19.7% 86%
Leverage Ratio 15.6%
+1.3pp YoY
+1.1pp QoQ
 +3.5pp 12.2% 12.2% 12.6% 89%
Total Capital Ratio 24.9%
+2.0pp YoY
+2.2pp QoQ
 +4.9pp 19.9% 20.9% 20.8% 86%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 22
-1 (-4.3%) YoY
0 QoQ
 -37 58 228 482 14%
Assets per Employee ($) $7.2M
+1.0% YoY
-4.1% QoQ
 -$293K $7.5M $8.3M $8.8M 56%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
 -0.2pp 0.3% 0.4% 0.4% 56%
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage 10.92x
-52.4% YoY
 -13.23x 24.15x 5.62x 20.23x 83%
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 8.8%
+1.8pp YoY
-0.8pp QoQ
 -3.4pp 12.2% 10.5% 11.6% 30%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 51%
Net Income ($, YTD) $1.1M
+38.0% YoY
— QoQ
 -$1.4M $2.6M $11.7M $40.4M 31%

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 (1)

Deposit Franchise

growth
#137 of 278 • Top 48.9% 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: 39.21%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.55%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (4)

Credit Risk Growth

risk
#59 of 936 • Bottom 6.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Overhang

risk
#81 of 742 • Bottom 10.8% 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: 23.63%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 96.07%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#178 of 1256 • Bottom 14.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Strain

risk
#193 of 691 • Bottom 27.8% 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: 96.07%
(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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

147
Non-Interest-Bearing Deposit Share
funding
Value: 39.21%
Peer Median: 22.03%
#147 of 2643 Top 5.5% in $100M-$1B
219
Tier 1 Capital Ratio
capital
Value: 23.63%
Peer Median: 15.91%
#219 of 2643 Top 8.2% in $100M-$1B
490
Net Interest Margin
profitability
Value: 4.55%
Peer Median: 3.99%
#490 of 2643 Top 18.5% in $100M-$1B

Top Weaknesses (5 metrics)

2480
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2480 of 2643 Bottom 6.2% in $100M-$1B
2299
Total Deposits
size
Value: $123.08M
Peer Median: $326.73M
#2299 of 2643 Bottom 13.1% in $100M-$1B
2251
Loan-to-Deposit Ratio
liquidity
Value: 96.07%
Peer Median: 77.95%
#2251 of 2643 Bottom 14.9% in $100M-$1B
2203
Total Assets
size
Value: $158.96M
Peer Median: $386.57M
#2203 of 2643 Bottom 16.7% in $100M-$1B
1992
Total Loans
size
Value: $118.25M
Peer Median: $258.35M
#1992 of 2643 Bottom 24.7% in $100M-$1B
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