BlastPoint's Banking Scorecard

Hinsdale Bank & Trust Company, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 33849

Hinsdale, IL

17 branches across IL

884 banks in the $1B-$10B peer group nationally 50 in IL

Hinsdale Bank & Trust Company, National Association has 3 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

+ Credit Quality Leader: Top 20.9% in tier
+ Efficiency Ratio 24.78% below tier average
+ ROA 0.07% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.0% in tier
- Net Interest Margin 0.38% below 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 ?	$6.5B +14.6% YoY +6.3% QoQ	+$3.7B	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 9.2% in tier
Total Loans ?	$4.7B +11.1% YoY +4.1% QoQ	+$2.7B	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 8.1% in tier
Total Deposits ?	$5.3B +14.8% YoY +8.7% QoQ	+$3.0B	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 9.4% in tier
Return on Assets ?	1.44% -4.0% YoY -6.0% QoQ	+0.07%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	3.44% +4.5% YoY +1.3% QoQ	-0.38%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	36.28% -10.1% YoY -6.6% QoQ	-24.78%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 4.9% in tier
Delinquency Rate ?	0.14% +38.6% YoY -7.0% QoQ	-0.75%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 14.8% in tier
Loan-to-Deposit Ratio ?	88.72% -3.3% YoY -4.2% QoQ	+4.51%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	43%
Non-Interest-Bearing Deposit Share ?	17.90% -2.7% YoY -1.7% QoQ	-3.39%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	0.13% +19.5% YoY +4.8% QoQ	-0.55%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	10.70% +0.7% YoY -2.9% QoQ	-4.46%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 12.2% in tier
Non-Interest Income / Assets ?	0.09% +11.6% YoY -71.3% QoQ	-0.17%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	28%

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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 (1)

Credit Quality Leader

growth

#47 of 220 • Top 20.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#42 of 513 • Bottom 8.0% in tier

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

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 36.28%

Peer Median: 61.06%

#44 of 884 Top 4.9% in $1B-$10B

Total Loans

size

Value: $4.70B

Peer Median: $1.96B

#73 of 884 Top 8.1% in $1B-$10B

Total Assets

size

Value: $6.50B

Peer Median: $2.82B

#82 of 884 Top 9.2% in $1B-$10B

Total Deposits

size

Value: $5.30B

Peer Median: $2.34B

#84 of 884 Top 9.4% in $1B-$10B

131

Delinquency Rate

credit_quality

Value: 0.14%

Peer Median: 0.89%

#131 of 880 Top 14.8% in $1B-$10B

160

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#160 of 884 Top 18.0% in $1B-$10B

Top Weaknesses (1 metrics)

777

Tier 1 Capital Ratio

capital

Value: 10.70%

Peer Median: 15.16%

#777 of 884 Bottom 12.2% in $1B-$10B