BlastPoint's Banking Scorecard

Hinsdale Bank & Trust Company, National Association

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

Hinsdale, IL

17 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +20.0% year over year ($5.6B on the books).
Delinquency rate 0.16%.
Return on assets 1.48%.
Efficiency ratio 36.59% vs a 59.73% peer average.
Loan-to-deposit ratio 89.40% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (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 16.7% in tier
+ Efficiency Ratio 23.14% below tier average
+ ROA 0.09% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.8% in tier
- Net Interest Margin 0.48% below tier average

Get updates when Hinsdale Bank & Trust Company, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$6.8B +18.7% YoY +4.6% QoQ	+$4.0B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 7.2% in tier
Total Loans ?	$5.0B +16.0% YoY +6.0% QoQ	+$3.0B	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 6.6% in tier
Total Deposits ?	$5.6B +20.0% YoY +5.2% QoQ	+$3.3B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 7.5% in tier
Return on Assets ?	1.48% +2.0% YoY +2.8% QoQ	+0.09%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	68%
Net Interest Margin ?	3.39% +2.7% YoY -1.4% QoQ	-0.48%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	36.59% -8.3% YoY +0.9% QoQ	-23.14%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 4.9% in tier
Delinquency Rate ?	0.16% +42.9% YoY +21.1% QoQ	-0.70%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	89.40% -3.3% YoY +0.8% QoQ	+4.37%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	43%
Non-Interest-Bearing Deposit Share ?	18.12% -2.0% YoY +1.2% QoQ	-3.16%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	41%
Nonperforming Asset Ratio ?	0.15% +28.6% YoY +16.7% QoQ	-0.53%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	79%
Tier 1 Capital Ratio ?	10.60% -1.5% YoY -0.9% QoQ	-4.24%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 11.9% in tier
Non-Interest Income / Assets ?	0.17% +11.2% YoY +90.4% QoQ	-0.35%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	25%

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	18.1% -0.4pp YoY +0.2pp QoQ	-3.3pp	21.4%	20.1%	22.2%	40%
Brokered Deposits	13.5% +1.9pp YoY +1.2pp QoQ	+4.0pp	9.5%	8.0%	8.5%	78%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	39.4% -2.3pp YoY +1.1pp QoQ	+25.4pp	14.0%	14.7%	12.5%	95%
CRE	25.6% +1.3pp YoY -0.4pp QoQ	-24.4pp	50.0%	37.9%	41.4%	8%
1-4 Family	9.6% -0.4pp YoY -0.3pp QoQ	-16.8pp	26.4%	28.3%	31.3%	16%
Consumer	9.1% -1.5pp YoY +0.2pp QoQ	+4.4pp	4.7%	5.4%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	10.6% -0.2pp YoY -0.1pp QoQ	-5.0pp	15.6%	19.9%	19.7%	4%
Leverage Ratio	9.2% -0.3pp YoY -0.2pp QoQ	-2.1pp	11.3%	12.2%	12.6%	16%
Total Capital Ratio	11.3% -0.1pp YoY -0.1pp QoQ	-5.4pp	16.7%	20.9%	20.8%	3%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	229 +2 (+0.9%) YoY 0 QoQ	-85	313	228	482	48%
Assets per Employee ($)	$29.7M +17.6% YoY +4.6% QoQ	+$19.2M	$10.5M	$8.3M	$8.8M	97%
Branch Count	17 0 YoY 0 QoQ	-3	20	10	18	57%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	47%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	1.1%	1.0%	15%
Allowance Coverage	4.02x -29.6% YoY -18.2% QoQ	-14.69x	18.71x	5.62x	20.23x	73%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY +0.1pp QoQ	-0.3pp	0.3%	0.1%	0.2%	18%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	14.3% +0.6pp YoY +0.6pp QoQ	+1.7pp	12.6%	10.5%	11.6%	67%
Cost of Funds (YTD)	2.2% -0.3pp YoY +0.1pp QoQ	+0.3pp	1.9%	1.6%	1.7%	74%
Net Income ($, YTD)	$47.8M +17.8% YoY — QoQ	+$28.6M	$19.2M	$11.7M	$40.4M	92%

Get Full Access to Hinsdale Bank & Trust Company, National Association

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#38 of 221 • Top 16.7% in tier

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

Why this signature

Delinquency Rate: 0.16%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#49 of 492 • Bottom 9.8% in tier

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

Why this signature

Delinquency Rate: 0.16%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 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 885 peers in $1B-$10B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 36.59%

Peer Median: 59.73%

#44 of 885 Top 4.9% in $1B-$10B

Total Loans

size

Value: $4.98B

Peer Median: $1.96B

#59 of 885 Top 6.6% in $1B-$10B

Total Assets

size

Value: $6.80B

Peer Median: $2.79B

#65 of 885 Top 7.2% in $1B-$10B

Total Deposits

size

Value: $5.57B

Peer Median: $2.32B

#67 of 885 Top 7.5% in $1B-$10B

167

Delinquency Rate

credit_quality

Value: 0.16%

Peer Median: 0.87%

#167 of 882 Top 18.8% in $1B-$10B

187

Nonperforming Asset Ratio

credit_quality

Value: 0.15%

Peer Median: 0.67%

#187 of 885 Top 21.0% in $1B-$10B

Top Weaknesses (1 metrics)

781

Tier 1 Capital Ratio

capital

Value: 10.60%

Peer Median: 14.84%

#781 of 885 Bottom 11.9% in $1B-$10B