BlastPoint's Banking Scorecard

Hickory Point Bank and Trust

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

Decatur, IL

8 branches across IL

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

Hickory Point Bank and Trust has 2 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

+ Revenue Diversifier: Top 36.2% in tier
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 28.1% in tier
- Credit Quality Pressure: Bottom 29.4% in tier
- ROA 0.09% below tier average
- Net Interest Margin 0.32% below tier average
- Efficiency Ratio 1.48% above tier average

Get updates when Hickory Point Bank and Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$737.2M -1.9% YoY +3.3% QoQ	+$351.1M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 10.8% in tier
Total Loans ?	$429.0M -8.1% YoY -1.5% QoQ	+$173.3M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$650.8M -2.1% YoY +3.6% QoQ	+$322.8M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 9.6% in tier
Return on Assets ?	1.18% +12.7% YoY +6.5% QoQ	-0.09%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	3.61% +3.0% YoY -0.3% QoQ	-0.32%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	66.77% -3.9% YoY -2.1% QoQ	+1.48%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	40%
Delinquency Rate ?	0.42% +45.7% YoY +475.2% QoQ	-0.47%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	65.92% -6.2% YoY -5.0% QoQ	-10.72%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	20.39% +2.8% YoY +1.8% QoQ	-1.63%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.24% -39.5% YoY +448.0% QoQ	-0.40%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	16.23% +13.6% YoY +0.3% QoQ	+0.40%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.31% +0.9% YoY -75.4% QoQ	+0.03%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 6.4% in tier

Get Full Access to Hickory Point Bank and Trust

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#242 of 666 • Top 36.2% 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: 0.31%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.18%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Flatlined Growth

risk

#145 of 512 • Bottom 28.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.18%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Credit Quality Pressure

risk

#385 of 1308 • Bottom 29.4% in tier

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

Why this signature

Delinquency Rate: 0.42%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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).

Compare against:

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

Top Strengths (4 metrics)

172

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.28%

#172 of 2664 Top 6.4% in $100M-$1B

257

Total Deposits

size

Value: $650.82M

Peer Median: $327.97M

#257 of 2664 Top 9.6% in $100M-$1B

289

Total Assets

size

Value: $737.22M

Peer Median: $386.08M

#289 of 2664 Top 10.8% in $100M-$1B

467

Total Loans

size

Value: $429.00M

Peer Median: $255.72M

#467 of 2664 Top 17.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available