BlastPoint's Banking Scorecard

First Eagle Bank

$100M-$1B Specialty: Commercial IL FDIC cert 25883

Designations: ✓ CDFI-certified

Chicago, 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 +7.4% year over year ($468.0M on the books).
Delinquency rate 0.10%.
Return on assets 2.26%.
Efficiency ratio 40.39% vs a 64.48% peer average.
Loan-to-deposit ratio 96.66% 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) →

First Eagle Bank has 4 strengths but faces 2 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

+ Return on Assets 0.94% above tier average
+ Efficiency Ratio 24.09% below tier average
+ Net Interest Margin 0.38% above tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 15.9% in tier
- Credit Quality Pressure: Bottom 16.2% in tier

Get updates when First Eagle 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 ?	$649.6M +7.5% YoY +4.2% QoQ	+$263.0M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$452.3M +12.2% YoY +3.1% QoQ	+$194.0M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$468.0M +7.4% YoY +5.3% QoQ	+$141.2M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	2.26% -4.0% YoY +9.6% QoQ	+0.94%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Top 7.6% in tier
Net Interest Margin ?	4.36% +7.7% YoY +1.3% QoQ	+0.38%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	73%
Efficiency Ratio ?	40.39% -6.9% YoY -1.7% QoQ	-24.09%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 4.3% in tier
Delinquency Rate ?	0.10%	-0.82%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	74%
Loan-to-Deposit Ratio ?	96.66% +4.5% YoY -2.1% QoQ	+18.71%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 14.1% in tier
Non-Interest-Bearing Deposit Share ?	25.65% +1.5% YoY +0.5% QoQ	+3.62%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	0.07%	-0.60%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	21.29% +1.1% YoY -0.8% QoQ	+5.38%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 11.5% in tier
Non-Interest Income / Assets ?	0.13% +33.4% YoY +119.7% QoQ	-0.44%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	28%

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	25.7% +0.4pp YoY +0.1pp QoQ	+3.5pp	22.1%	20.1%	22.2%	68%
Brokered Deposits	1.3% +1.1pp YoY +1.0pp QoQ	-6.6pp	7.9%	8.0%	8.5%	22%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	2.9% +0.9pp YoY +1.0pp QoQ	-8.6pp	11.6%	14.7%	12.5%	10%
CRE	55.9% +5.3pp YoY +0.4pp QoQ	+16.4pp	39.5%	37.9%	41.4%	80%
1-4 Family	27.0% -5.7pp YoY -1.3pp QoQ	-5.6pp	32.6%	28.3%	31.3%	45%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	5.4%	5.0%	5%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	21.3% +0.2pp YoY -0.2pp QoQ	+9.1pp	12.2%	12.2%	12.6%	97%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	45 0 YoY +2 (+4.7%) QoQ	-14	58	228	482	47%
Assets per Employee ($)	$14.4M +7.5% YoY -0.4% QoQ	+$6.9M	$7.5M	$8.3M	$8.8M	96%
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	0.1% +0.1pp YoY	-0.8pp	0.9%	1.1%	1.0%	19%
Allowance Coverage	12.73x -96.0% YoY	-11.42x	24.15x	5.62x	20.23x	84%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	30%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	10.9% -1.0pp YoY +1.0pp QoQ	-1.3pp	12.2%	10.5%	11.6%	42%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	34%
Net Income ($, YTD)	$7.1M +1.1% YoY — QoQ	+$4.6M	$2.6M	$11.7M	$40.4M	96%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#119 of 742 • Bottom 15.9% 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: 21.29%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 96.66%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#205 of 1256 • Bottom 16.2% in tier

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

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

114

Efficiency Ratio

profitability

Value: 40.39%

Peer Median: 64.48%

#114 of 2643 Top 4.3% in $100M-$1B

202

Return on Assets

profitability

Value: 2.26%

Peer Median: 1.32%

#202 of 2643 Top 7.6% in $100M-$1B

304

Tier 1 Capital Ratio

capital

Value: 21.29%

Peer Median: 15.91%

#304 of 2643 Top 11.5% in $100M-$1B

413

Total Loans

size

Value: $452.31M

Peer Median: $258.35M

#413 of 2643 Top 15.6% in $100M-$1B

416

Total Assets

size

Value: $649.62M

Peer Median: $386.57M

#416 of 2643 Top 15.7% in $100M-$1B

616

Total Deposits

size

Value: $467.95M

Peer Median: $326.73M

#616 of 2643 Top 23.3% in $100M-$1B

647

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#647 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (1 metrics)

2272

Loan-to-Deposit Ratio

liquidity

Value: 96.66%

Peer Median: 77.95%

#2272 of 2643 Bottom 14.1% in $100M-$1B