BlastPoint's Banking Scorecard
1st Equity Bank
Skokie, 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 +2.0% year over year ($87.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.39%.
- Efficiency ratio 66.65% vs a 64.48% peer average.
- Loan-to-deposit ratio 110.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
1st Equity Bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.06% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9.3% in tier
- - Margin Compression: Bottom 43.6% in tier
- - NIB Deposit Bleed: Bottom 50.0% in tier
- - Cost Spiral: Bottom 68.1% in tier
- - Net Interest Margin 0.10% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$130.0M
+5.2% YoY
+2.8% QoQ
|
-$256.5M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.2% in tier |
| Total Loans ? |
$96.8M
+4.7% YoY
+9.0% QoQ
|
-$161.5M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$87.7M
+2.0% YoY
+4.7% QoQ
|
-$239.1M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.9% in tier |
| Return on Assets ? |
1.39%
-18.3% YoY
-15.2% QoQ
|
+0.06% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.89%
+7.8% YoY
-1.7% QoQ
|
-0.10% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
66.65%
+12.7% YoY
+5.3% QoQ
|
+2.18% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
110.44%
+2.7% YoY
+4.2% QoQ
|
+32.49% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.01%
-20.5% YoY
-9.2% QoQ
|
-14.02% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
21.22%
-2.1% YoY
-6.8% QoQ
|
+5.31% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 11.6% in tier |
| Non-Interest Income / Assets ? |
0.28%
-30.3% YoY
+39.6% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
69% |
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 |
8.0%
-2.1pp YoY -0.8pp QoQ |
-14.1pp | 22.1% | 20.1% | 22.2% | 7% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.7%
-2.8pp YoY -0.4pp QoQ |
-3.8pp | 11.6% | 14.7% | 12.5% | 38% |
| CRE |
64.6%
+5.0pp YoY +2.0pp QoQ |
+25.0pp | 39.5% | 37.9% | 41.4% | 89% |
| 1-4 Family |
29.2%
-2.1pp YoY -1.6pp QoQ |
-3.4pp | 32.6% | 28.3% | 31.3% | 49% |
| Consumer |
0.1%
-0.2pp YoY -0.1pp QoQ |
-4.0pp | 4.1% | 5.4% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.2%
-0.5pp YoY -1.5pp QoQ |
+2.4pp | 18.8% | 19.9% | 19.7% | 81% |
| Leverage Ratio |
16.5%
-0.1pp YoY +0.2pp QoQ |
+4.3pp | 12.2% | 12.2% | 12.6% | 92% |
| Total Capital Ratio |
22.5%
-0.5pp YoY -1.5pp QoQ |
+2.5pp | 19.9% | 20.9% | 20.8% | 81% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
+1 (+8.3%) YoY +1 (+8.3%) QoQ |
-46 | 58 | 228 | 482 | 2% |
| Assets per Employee ($) |
$10.0M
-2.9% YoY -5.1% QoQ |
+$2.5M | $7.5M | $8.3M | $8.8M | 86% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.3%
-1.7pp YoY -1.5pp QoQ |
-3.9pp | 12.2% | 10.5% | 11.6% | 27% |
| Cost of Funds (YTD) |
2.2%
-0.5pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.6% | 1.7% | 79% |
| Net Income ($, YTD) |
$883,000
-15.2% YoY — QoQ |
-$1.7M | $2.6M | $11.7M | $40.4M | 23% |
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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 (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.