BlastPoint's Banking Scorecard
Community Bank of Elmhurst
Elmhurst, 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 +0.0% year over year ($176.9M on the books).
- Delinquency rate 0.02%.
- Return on assets 0.67%.
- Efficiency ratio 78.76% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.85% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Elmhurst has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Net Interest Margin 0.21% below tier average
- - Efficiency Ratio 14.28% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$194.5M
+4.1% YoY
-0.8% QoQ
|
-$192.1M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$125.3M
+10.0% YoY
-1.5% QoQ
|
-$133.0M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$176.9M
+0.0% YoY
-4.0% QoQ
|
-$149.8M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
0.67%
+39.4% YoY
-5.5% QoQ
|
-0.65% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
3.77%
+3.7% YoY
-1.3% QoQ
|
-0.21% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
78.76%
-7.3% YoY
+1.3% QoQ
|
+14.28% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
15% |
| Delinquency Rate ? |
0.02%
-55.4% YoY
-59.1% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
70.85%
+9.9% YoY
+2.6% QoQ
|
-7.11% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
27.36%
+1.7% YoY
+0.5% QoQ
|
+5.33% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.01%
-52.9% YoY
-59.3% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 14.4% in tier |
| Tier 1 Capital Ratio ? |
15.24%
-4.0% YoY
+5.5% QoQ
|
-0.67% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.08%
+0.7% YoY
+97.8% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
27.4%
+0.5pp YoY +0.1pp QoQ |
+5.2pp | 22.1% | 20.1% | 22.2% | 74% |
| Brokered Deposits |
5.7%
-3.7pp YoY +1.3pp QoQ |
-2.2pp | 7.9% | 8.0% | 8.5% | 57% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.2%
-1.3pp YoY -0.4pp QoQ |
+2.7pp | 11.6% | 14.7% | 12.5% | 73% |
| CRE |
54.3%
+1.6pp YoY +0.6pp QoQ |
+14.8pp | 39.5% | 37.9% | 41.4% | 77% |
| 1-4 Family |
32.2%
-0.3pp YoY -0.3pp QoQ |
-0.4pp | 32.6% | 28.3% | 31.3% | 56% |
| Consumer |
0.6%
-0.1pp YoY 0.0pp QoQ |
-3.5pp | 4.1% | 5.4% | 5.0% | 19% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.2%
-0.6pp YoY +0.8pp QoQ |
-3.6pp | 18.8% | 19.9% | 19.7% | 51% |
| Leverage Ratio |
9.9%
+0.1pp YoY +0.3pp QoQ |
-2.2pp | 12.2% | 12.2% | 12.6% | 30% |
| Total Capital Ratio |
16.5%
-0.6pp YoY +0.8pp QoQ |
-3.4pp | 19.9% | 20.9% | 20.8% | 52% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
29
-1 (-3.3%) YoY 0 QoQ |
-30 | 58 | 228 | 482 | 25% |
| Assets per Employee ($) |
$6.7M
+7.7% YoY -0.8% QoQ |
-$812K | $7.5M | $8.3M | $8.8M | 46% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.1% | 1.0% | 6% |
| Allowance Coverage |
86.00x
+114.7% YoY +151.6% QoQ |
+61.85x | 24.15x | 5.62x | 20.23x | 96% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+1.0pp YoY -0.9pp QoQ |
-0.7pp | 12.2% | 10.5% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY +0.1pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 34% |
| Net Income ($, YTD) |
$660,000
+46.0% YoY — QoQ |
-$1.9M | $2.6M | $11.7M | $40.4M | 15% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.