BlastPoint's Banking Scorecard

1st Equity Bank

$100M-$1B Specialty: Commercial IL FDIC cert 34393

Skokie, IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

1st Equity Bank has 5 strengths but faces 6 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

+ Revenue Diversifier: Top 47.6% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.37% above tier average
+ Efficiency Ratio 1.99% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 6.8% in tier
- Deposit Outflow: Bottom 6.9% in tier
- Cost Spiral: Bottom 32.5% in tier
- NIB Deposit Bleed: Bottom 37.9% in tier
- Margin Compression: Bottom 63.0% in tier
- Capital Constraint: Bottom 90.7% in tier

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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 ?	$126.5M +3.6% YoY +0.8% QoQ	-$259.6M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 8.0% in tier
Total Loans ?	$88.8M +4.8% YoY -5.3% QoQ	-$166.9M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	15%
Total Deposits ?	$83.8M -4.2% YoY +0.6% QoQ	-$244.2M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 1.3% in tier
Return on Assets ?	1.63% -11.0% YoY +0.9% QoQ	+0.37%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	3.95% +8.3% YoY -3.1% QoQ	+0.02%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	63.29% +10.6% YoY -0.5% QoQ	-1.99%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	106.01% +9.5% YoY -5.9% QoQ	+29.37%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 4.4% in tier
Non-Interest-Bearing Deposit Share ?	8.83% -22.6% YoY +3.9% QoQ	-13.19%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Bottom 8.6% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	22.76% -4.5% YoY +9.9% QoQ	+6.93%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 9.0% in tier
Non-Interest Income / Assets ?	0.20% -11.8% YoY -69.6% QoQ	-0.08%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 13.9% in tier

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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)

Revenue Diversifier

growth

#318 of 666 • Top 47.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.63%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (6)

Liquidity Overhang

risk

#51 of 739 • Bottom 6.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.76%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 106.01%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#36 of 506 • Bottom 6.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Cost Spiral

risk

#42 of 126 • Bottom 32.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 63.29%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

NIB Deposit Bleed

decline

#76 of 198 • Bottom 37.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 8.83%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Margin Compression

decline

#193 of 305 • Bottom 63.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.63%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Capital Constraint

risk

#99 of 108 • Bottom 90.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 106.01%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 22.76%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

240

Tier 1 Capital Ratio

capital

Value: 22.76%

Peer Median: 15.83%

#240 of 2664 Top 9.0% in $100M-$1B

370

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#370 of 2664 Top 13.9% in $100M-$1B

Top Weaknesses (5 metrics)

2631

Total Deposits

size

Value: $83.77M

Peer Median: $327.97M

#2631 of 2664 Bottom 1.3% in $100M-$1B

2548

Loan-to-Deposit Ratio

liquidity

Value: 106.01%

Peer Median: 76.64%

#2548 of 2664 Bottom 4.4% in $100M-$1B

2453

Total Assets

size

Value: $126.50M

Peer Median: $386.08M

#2453 of 2664 Bottom 8.0% in $100M-$1B

2435

Non-Interest-Bearing Deposit Share

funding

Value: 8.83%

Peer Median: 22.02%

#2435 of 2664 Bottom 8.6% in $100M-$1B

2260

Total Loans

size

Value: $88.80M

Peer Median: $255.72M

#2260 of 2664 Bottom 15.2% in $100M-$1B