BlastPoint's Banking Scorecard

Burling Bank

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

Chicago, IL

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

Burling 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

+ Profitability Leader: Top 24.0% in tier
+ Revenue Diversifier: Top 36.0% in tier
+ Deposit Franchise: Top 49.3% in tier
+ Efficiency Ratio 13.55% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 3.18% above tier average
- Nonperforming Asset Ratio 2.14% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$237.8M +9.0% YoY +19.5% QoQ	-$148.3M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$162.0M -4.9% YoY +0.2% QoQ	-$93.7M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$204.9M +13.9% YoY +22.8% QoQ	-$123.0M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	36%
Return on Assets ?	2.58% +12.1% YoY +1.1% QoQ	+1.31%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 3.9% in tier
Net Interest Margin ?	4.87% +1.8% YoY -2.9% QoQ	+0.94%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Top 9.3% in tier
Efficiency Ratio ?	51.73% -4.8% YoY +0.9% QoQ	-13.55%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	4.07% +607.2% YoY +650.8% QoQ	+3.18%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 3.3% in tier
Loan-to-Deposit Ratio ?	79.06% -16.5% YoY -18.4% QoQ	+2.43%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	34.51% -38.9% YoY -23.3% QoQ	+12.49%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 10.6% in tier
Nonperforming Asset Ratio ?	2.77% +516.9% YoY +529.3% QoQ	+2.14%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 3.5% in tier
Tier 1 Capital Ratio ?	13.96% +2.3% YoY -7.6% QoQ	-1.87%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.16% -8.0% YoY -79.6% QoQ	-0.12%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	76%

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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)

Profitability Leader

growth

#161 of 666 • Top 24.0% in tier

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

Why this signature

Return on Assets: 2.58%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#241 of 666 • Top 36.0% 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: 0.16%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.58%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#135 of 272 • Top 49.3% 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: 34.51%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.87%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (5 metrics)

104

Return on Assets

profitability

Value: 2.58%

Peer Median: 1.27%

#104 of 2664 Top 3.9% in $100M-$1B

249

Net Interest Margin

profitability

Value: 4.87%

Peer Median: 3.93%

#249 of 2664 Top 9.3% in $100M-$1B

284

Non-Interest-Bearing Deposit Share

funding

Value: 34.51%

Peer Median: 22.02%

#284 of 2664 Top 10.6% in $100M-$1B

510

Efficiency Ratio

profitability

Value: 51.73%

Peer Median: 65.29%

#510 of 2664 Top 19.1% in $100M-$1B

637

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#637 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (2 metrics)

2568

Delinquency Rate

credit_quality

Value: 4.07%

Peer Median: 0.89%

#2568 of 2654 Bottom 3.3% in $100M-$1B

2571

Nonperforming Asset Ratio

credit_quality

Value: 2.77%

Peer Median: 0.64%

#2571 of 2664 Bottom 3.5% in $100M-$1B