BlastPoint's Banking Scorecard

DeWitt Savings Bank

$100M-$1B Specialty: Other IL FDIC cert 29535

Designations: ✓ Mutual

Clinton, 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 +3.9% year over year ($141.1M on the books).
Delinquency rate 1.22%.
Return on assets 0.59%.
Efficiency ratio 78.08% vs a 64.48% peer average.
Loan-to-deposit ratio 59.15% 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) →

DeWitt Savings Bank faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 28.2% in tier
- Net Interest Margin 1.10% below tier average
- ROA 0.73% below tier average
- Efficiency Ratio 13.60% above tier average

Get updates when DeWitt Savings 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 ?	$173.2M +10.7% YoY +1.2% QoQ	-$213.3M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	20%
Total Loans ?	$83.5M +4.9% YoY -1.3% QoQ	-$174.9M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 12.0% in tier
Total Deposits ?	$141.1M +3.9% YoY -9.5% QoQ	-$185.6M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	19%
Return on Assets ?	0.59% +283.6% YoY +23.1% QoQ	-0.73%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 14.8% in tier
Net Interest Margin ?	2.88% +2.4% YoY +6.4% QoQ	-1.10%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 7.2% in tier
Efficiency Ratio ?	78.08% -12.9% YoY -4.1% QoQ	+13.60%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	16%
Delinquency Rate ?	1.22% +25.6% YoY +37.4% QoQ	+0.30%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	24%
Loan-to-Deposit Ratio ?	59.15% +0.9% YoY +9.1% QoQ	-18.80%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	84%
Non-Interest-Bearing Deposit Share ?	16.49% +0.5% YoY +15.5% QoQ	-5.54%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	30%
Nonperforming Asset Ratio ?	0.59% +12.6% YoY +26.7% QoQ	-0.08%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	20.72% -3.7% YoY +1.1% QoQ	+4.81%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 12.3% in tier
Non-Interest Income / Assets ?	0.27% +28.1% YoY +147.1% QoQ	-0.30%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	67%

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	16.5% +0.1pp YoY +2.2pp QoQ	-5.7pp	22.1%	20.1%	22.2%	30%
Brokered Deposits	9.9% +0.1pp YoY -9.2pp QoQ	+2.1pp	7.9%	8.0%	8.5%	75%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	1.4% +0.3pp YoY +0.2pp QoQ	-10.1pp	11.6%	14.7%	12.5%	4%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	52.8% -3.6pp YoY +0.6pp QoQ	+20.1pp	32.6%	28.3%	31.3%	85%
Consumer	38.9% +3.7pp YoY -1.1pp QoQ	+34.8pp	4.1%	5.4%	5.0%	99%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	20.7% -0.8pp YoY +0.2pp QoQ	+1.9pp	18.8%	19.9%	19.7%	80%
Leverage Ratio	10.5% -0.7pp YoY +0.2pp QoQ	-1.7pp	12.2%	12.2%	12.6%	40%
Total Capital Ratio	21.2% -1.0pp YoY +0.1pp QoQ	+1.3pp	19.9%	20.9%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	23 0 YoY +2 (+9.5%) QoQ	-36	58	228	482	15%
Assets per Employee ($)	$7.5M +10.7% YoY -7.6% QoQ	+$14K	$7.5M	$8.3M	$8.8M	61%
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	1.2% +0.2pp YoY +0.3pp QoQ	+0.3pp	0.9%	1.1%	1.0%	76%
Allowance Coverage	0.44x -38.5% YoY -37.0% QoQ	-23.72x	24.15x	5.62x	20.23x	8%
Net Charge-off Rate (YTD)	0.3% -0.2pp YoY +0.2pp QoQ	+0.1pp	0.1%	0.1%	0.2%	89%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	6.8% +5.0pp YoY +1.1pp QoQ	-5.4pp	12.2%	10.5%	11.6%	20%
Cost of Funds (YTD)	2.2% +0.2pp YoY -0.1pp QoQ	+0.4pp	1.7%	1.6%	1.7%	79%
Net Income ($, YTD)	$510,000 +347.4% YoY — QoQ	-$2.0M	$2.6M	$11.7M	$40.4M	11%

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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 (1)

Credit Risk Growth

risk

#265 of 936 • Bottom 28.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

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 (2 metrics)

325

Tier 1 Capital Ratio

capital

Value: 20.72%

Peer Median: 15.91%

#325 of 2643 Top 12.3% in $100M-$1B

431

Loan-to-Deposit Ratio

liquidity

Value: 59.15%

Peer Median: 77.95%

#431 of 2643 Top 16.3% in $100M-$1B

Top Weaknesses (7 metrics)

2453

Net Interest Margin

profitability

Value: 2.88%

Peer Median: 3.99%

#2453 of 2643 Bottom 7.2% in $100M-$1B

2327

Total Loans

size

Value: $83.47M

Peer Median: $258.35M

#2327 of 2643 Bottom 12.0% in $100M-$1B

2254

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.32%

#2254 of 2643 Bottom 14.8% in $100M-$1B

2220

Efficiency Ratio

profitability

Value: 78.08%

Peer Median: 64.48%

#2220 of 2643 Bottom 16.0% in $100M-$1B

2152

Total Deposits

size

Value: $141.10M

Peer Median: $326.73M

#2152 of 2643 Bottom 18.6% in $100M-$1B

2124

Total Assets

size

Value: $173.23M

Peer Median: $386.57M

#2124 of 2643 Bottom 19.7% in $100M-$1B

2008

Delinquency Rate

credit_quality

Value: 1.22%

Peer Median: 0.92%

#2008 of 2633 Bottom 23.8% in $100M-$1B