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Hickory Point Bank and Trust

$100M-$1B Specialty: Commercial IL FDIC cert 22874

Decatur, IL

8 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 -3.7% year over year ($626.8M on the books).
  • Delinquency rate 0.18%.
  • Return on assets 1.22%.
  • Efficiency ratio 65.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 69.02% 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) →

Hickory Point Bank and Trust has 2 strengths but faces 4 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

  • + Revenue Diversifier: Top 38.7% in tier
  • + Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 19.9% in tier
  • - ROA 0.10% below tier average
  • - Net Interest Margin 0.29% below tier average
  • - Efficiency Ratio 1.45% above tier average
Get updates when Hickory Point Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $717.5M
-2.8% YoY -2.7% QoQ
+$331.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 11.9% in tier
Total Loans ? $432.6M
-7.1% YoY +0.8% QoQ
+$174.2M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $626.8M
-3.7% YoY -3.7% QoQ
+$300.0M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 10.6% in tier
Return on Assets ? 1.22%
+19.3% YoY +3.5% QoQ
-0.10% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 3.70%
+4.6% YoY +2.6% QoQ
-0.29% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 65.93%
-5.6% YoY -1.3% QoQ
+1.45% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.18%
+138.2% YoY -55.9% QoQ
-0.73% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 69.02%
-3.5% YoY +4.7% QoQ
-8.93% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
71%
Non-Interest-Bearing Deposit Share ? 22.43%
+9.6% YoY +10.0% QoQ
+0.40% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.11%
-53.7% YoY -54.3% QoQ
-0.56% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
70%
Tier 1 Capital Ratio ? 16.15%
+10.2% YoY -0.5% QoQ
+0.24% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.61%
+5.6% YoY +96.6% QoQ
+0.04% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 6.8% 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 22.4%
+2.0pp YoY
+2.0pp QoQ
 +0.3pp 22.1% 20.1% 22.2% 56%
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 4.1%
-1.9pp YoY
-1.3pp QoQ
 -7.5pp 11.6% 14.7% 12.5% 15%
CRE 76.3%
+2.1pp YoY
+1.2pp QoQ
 +36.7pp 39.5% 37.9% 41.4% 96%
1-4 Family 15.5%
0.0pp YoY
+0.4pp QoQ
 -17.2pp 32.6% 28.3% 31.3% 20%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 5.4% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 16.1%
+1.5pp YoY
-0.1pp QoQ
 -2.7pp 18.8% 19.9% 19.7% 59%
Leverage Ratio 11.0%
+0.9pp YoY
+0.3pp QoQ
 -1.1pp 12.2% 12.2% 12.6% 51%
Total Capital Ratio 17.3%
+1.5pp YoY
-0.1pp QoQ
 -2.7pp 19.9% 20.9% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 118
-8 (-6.3%) YoY
-3 (-2.5%) QoQ
 +59 58 228 482 92%
Assets per Employee ($) $6.1M
+3.8% YoY
-0.2% QoQ
 -$1.4M $7.5M $8.3M $8.8M 35%
Branch Count 8
-1 (-11.1%) YoY
0 QoQ
 +3 4 10 18 82%

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 0.2%
+0.1pp YoY
-0.2pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 28%
Allowance Coverage 6.86x
-54.7% YoY
+124.7% QoQ
 -17.29x 24.15x 5.62x 20.23x 76%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 28%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 11.2%
+0.9pp YoY
+0.3pp QoQ
 -1.0pp 12.2% 10.5% 11.6% 45%
Cost of Funds (YTD) 1.2%
-0.3pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 21%
Net Income ($, YTD) $4.4M
+15.4% YoY
— QoQ
 +$1.8M $2.6M $11.7M $40.4M 83%

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)

Revenue Diversifier

growth
#257 of 661 • Top 38.7% 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: 0.61%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.22%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#251 of 1256 • Bottom 19.9% in tier

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

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 (4 metrics)

180
Non-Interest Income / Assets
revenue_mix
Value: 0.61%
Peer Median: 0.57%
#180 of 2643 Top 6.8% in $100M-$1B
281
Total Deposits
size
Value: $626.75M
Peer Median: $326.73M
#281 of 2643 Top 10.6% in $100M-$1B
315
Total Assets
size
Value: $717.52M
Peer Median: $386.57M
#315 of 2643 Top 11.9% in $100M-$1B
468
Total Loans
size
Value: $432.57M
Peer Median: $258.35M
#468 of 2643 Top 17.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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