BlastPoint's Banking Scorecard

Burling Bank

$100M-$1B Specialty: Commercial IL FDIC cert 27556

Chicago, 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 +14.5% year over year ($180.3M on the books).
Delinquency rate 3.82%.
Return on assets 2.43%.
Efficiency ratio 53.21% vs a 64.48% peer average.
Loan-to-deposit ratio 96.39% 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) →

Burling Bank has 4 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

+ Revenue Diversifier: Top 35.7% in tier
+ Deposit Franchise: Top 41.7% in tier
+ Profitability Leader: Top 45.4% in tier
+ Efficiency Ratio 11.27% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 34.6% in tier
- Delinquency Rate 2.91% above tier average
- Nonperforming Asset Ratio 2.43% above tier average

Get updates when Burling 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 ?	$214.2M +4.0% YoY -9.9% QoQ	-$172.4M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$173.8M +4.1% YoY +7.3% QoQ	-$84.5M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$180.3M +14.5% YoY -12.0% QoQ	-$146.4M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	29%
Return on Assets ?	2.43% +0.2% YoY -5.8% QoQ	+1.11%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Top 5.4% in tier
Net Interest Margin ?	4.92% -1.9% YoY +0.9% QoQ	+0.93%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Top 9.3% in tier
Efficiency Ratio ?	53.21% -1.4% YoY +2.9% QoQ	-11.27%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	3.82% -6.0% QoQ	+2.91%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 3.9% in tier
Loan-to-Deposit Ratio ?	96.39% -9.0% YoY +21.9% QoQ	+18.44%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 14.4% in tier
Non-Interest-Bearing Deposit Share ?	35.44% -34.9% YoY +2.7% QoQ	+13.41%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Top 9.3% in tier
Nonperforming Asset Ratio ?	3.10% +11.9% QoQ	+2.43%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 3.0% in tier
Tier 1 Capital Ratio ?	13.65% +0.7% YoY -2.3% QoQ	-2.26%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.33% -10.8% YoY +110.5% QoQ	-0.23%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	77%

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	35.4% -19.0pp YoY +0.9pp QoQ	+13.3pp	22.1%	20.1%	22.2%	91%
Brokered Deposits	8.3% -6.9pp YoY -1.0pp QoQ	+0.5pp	7.9%	8.0%	8.5%	69%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	21.0% +4.9pp YoY +5.6pp QoQ	+9.5pp	11.6%	14.7%	12.5%	90%
CRE	50.5% 0.0pp YoY -2.7pp QoQ	+11.0pp	39.5%	37.9%	41.4%	71%
1-4 Family	29.6% -4.7pp YoY -3.2pp QoQ	-3.1pp	32.6%	28.3%	31.3%	50%
Consumer	0.3% 0.0pp YoY +0.2pp QoQ	-3.8pp	4.1%	5.4%	5.0%	12%

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	13.6% +0.1pp YoY -0.3pp QoQ	+1.5pp	12.2%	12.2%	12.6%	80%
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	20 -1 (-4.8%) YoY -2 (-9.1%) QoQ	-39	58	228	482	11%
Assets per Employee ($)	$10.7M +9.2% YoY -0.9% QoQ	+$3.2M	$7.5M	$8.3M	$8.8M	89%
Branch Count	1 0 YoY 0 QoQ	-4	4	10	18	0%

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	3.8% +2.9pp QoQ	+2.9pp	0.9%	1.1%	1.0%	96%
Allowance Coverage	0.34x +3.8% QoQ	-23.81x	24.15x	5.62x	20.23x	4%
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	17.1% -1.7pp YoY -1.4pp QoQ	+4.9pp	12.2%	10.5%	11.6%	78%
Cost of Funds (YTD)	1.5% +0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	39%
Net Income ($, YTD)	$2.6M +2.2% YoY — QoQ	+$82K	$2.6M	$11.7M	$40.4M	64%

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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 (3)

Revenue Diversifier

growth

#237 of 661 • Top 35.7% 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: 0.33%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.43%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Deposit Franchise

growth

#117 of 278 • Top 41.7% 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: 35.44%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.92%

(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

Profitability Leader

growth

#301 of 661 • Top 45.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.43%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#240 of 691 • Bottom 34.6% 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: 96.39%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 (5 metrics)

145

Return on Assets

profitability

Value: 2.43%

Peer Median: 1.32%

#145 of 2643 Top 5.4% in $100M-$1B

247

Net Interest Margin

profitability

Value: 4.92%

Peer Median: 3.99%

#247 of 2643 Top 9.3% in $100M-$1B

248

Non-Interest-Bearing Deposit Share

funding

Value: 35.44%

Peer Median: 22.03%

#248 of 2643 Top 9.3% in $100M-$1B

604

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#604 of 2643 Top 22.8% in $100M-$1B

632

Efficiency Ratio

profitability

Value: 53.21%

Peer Median: 64.48%

#632 of 2643 Top 23.9% in $100M-$1B

Top Weaknesses (3 metrics)

2565

Nonperforming Asset Ratio

credit_quality

Value: 3.10%

Peer Median: 0.67%

#2565 of 2643 Bottom 3.0% in $100M-$1B

2532

Delinquency Rate

credit_quality

Value: 3.82%

Peer Median: 0.92%

#2532 of 2633 Bottom 3.9% in $100M-$1B

2264

Loan-to-Deposit Ratio

liquidity

Value: 96.39%

Peer Median: 77.95%

#2264 of 2643 Bottom 14.4% in $100M-$1B