BlastPoint's Banking Scorecard
Barrington Bank & Trust Company, National Association
Barrington, IL
9 branches across IL
Barrington Bank & Trust Company, National Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 25.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.27% above tier average
- - Nonperforming Asset Ratio 3.37% above tier average
- - ROA 0.18% below tier average
- - Net Interest Margin 0.61% below tier average
- - Efficiency Ratio 7.87% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.9B
+8.5% YoY
+3.3% QoQ
|
+$2.1B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 14.9% in tier |
| Total Loans ? |
$3.9B
+10.5% YoY
+2.3% QoQ
|
+$1.9B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Top 13.0% in tier |
| Total Deposits ? |
$3.8B
+10.7% YoY
+4.8% QoQ
|
+$1.5B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
1.18%
+55.9% YoY
+13.9% QoQ
|
-0.18% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
3.21%
+5.5% YoY
-1.2% QoQ
|
-0.61% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
68.93%
-8.6% YoY
-3.4% QoQ
|
+7.87% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
5.16%
-2.0% YoY
-4.2% QoQ
|
+4.27% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.9% in tier |
| Loan-to-Deposit Ratio ? |
100.22%
-0.2% YoY
-2.4% QoQ
|
+16.02% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.61%
-3.5% YoY
+7.7% QoQ
|
-1.68% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
4.05%
-0.2% YoY
-5.2% QoQ
|
+3.37% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.9% in tier |
| Tier 1 Capital Ratio ? |
10.85%
-2.5% YoY
-0.7% QoQ
|
-4.31% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.5% in tier |
| Non-Interest Income / Assets ? |
0.70%
+13.1% YoY
-74.7% QoQ
|
+0.44% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 4.6% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.