BlastPoint's Banking Scorecard

Prairie Community Bank

$100M-$1B Specialty: Commercial IL FDIC cert 34526

Marengo, IL

5 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +1.4% year over year ($170.9M on the books).
Delinquency rate 2.86%.
Return on assets 0.71%.
Efficiency ratio 79.95% vs a 64.48% peer average.
Loan-to-deposit ratio 77.46% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Prairie Community Bank has 1 strength but faces 5 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

+ Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 23.1% in tier
- Delinquency Rate 1.94% above tier average
- Nonperforming Asset Ratio 1.55% above tier average
- ROA 0.61% below tier average
- Efficiency Ratio 15.47% above tier average

Get updates when Prairie Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$187.5M +0.7% YoY -1.8% QoQ	-$199.1M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$132.4M +8.4% YoY +5.8% QoQ	-$126.0M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	29%
Total Deposits ?	$170.9M +1.4% YoY -1.9% QoQ	-$155.9M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	0.71% +4.6% YoY +6.1% QoQ	-0.61%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	19%
Net Interest Margin ?	4.12% +2.9% YoY +2.6% QoQ	+0.13%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	60%
Efficiency Ratio ?	79.95% -6.0% YoY -3.5% QoQ	+15.47%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 13.8% in tier
Delinquency Rate ?	2.86% -4.6% QoQ	+1.94%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 6.9% in tier
Loan-to-Deposit Ratio ?	77.46% +6.9% YoY +7.8% QoQ	-0.49%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	26.72% -0.1% YoY -2.0% QoQ	+4.69%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	72%
Nonperforming Asset Ratio ?	2.22% +662.7% YoY +2.7% QoQ	+1.55%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 6.0% in tier
Tier 1 Capital Ratio ?	12.01% -3.5% YoY -5.7% QoQ	-3.90%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.22% +25.2% YoY +123.8% QoQ	-0.35%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	56%

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	26.7% 0.0pp YoY -0.6pp QoQ	+4.6pp	22.1%	20.1%	22.2%	72%
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	10.4% -0.6pp YoY -0.3pp QoQ	-1.1pp	11.6%	14.7%	12.5%	55%
CRE	66.3% +0.2pp YoY +0.6pp QoQ	+26.7pp	39.5%	37.9%	41.4%	90%
1-4 Family	23.1% +0.3pp YoY -0.1pp QoQ	-9.5pp	32.6%	28.3%	31.3%	37%
Consumer	0.4% -0.4pp YoY +0.1pp QoQ	-3.7pp	4.1%	5.4%	5.0%	13%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	12.0% -0.4pp YoY -0.7pp QoQ	-6.8pp	18.8%	19.9%	19.7%	17%
Leverage Ratio	8.8% +0.2pp YoY -0.1pp QoQ	-3.4pp	12.2%	12.2%	12.6%	9%
Total Capital Ratio	13.3% -0.4pp YoY -0.7pp QoQ	-6.7pp	19.9%	20.9%	20.8%	19%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	41 +1 (+2.5%) YoY -1 (-2.4%) QoQ	-18	58	228	482	42%
Assets per Employee ($)	$4.6M -1.8% YoY +0.6% QoQ	-$2.9M	$7.5M	$8.3M	$8.8M	9%
Branch Count	5 +1 (+25.0%) YoY 0 QoQ	0	4	10	18	55%

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	2.9% +2.8pp YoY -0.1pp QoQ	+1.9pp	0.9%	1.1%	1.0%	93%
Allowance Coverage	0.54x -97.3% YoY -0.7% QoQ	-23.61x	24.15x	5.62x	20.23x	11%
Net Charge-off Rate (YTD)	-0.1% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	8.8% -0.1pp YoY +0.5pp QoQ	-3.4pp	12.2%	10.5%	11.6%	30%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	27%
Net Income ($, YTD)	$674,000 +10.3% YoY — QoQ	-$1.9M	$2.6M	$11.7M	$40.4M	15%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#123 of 529 • Bottom 23.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.71%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2486

Nonperforming Asset Ratio

credit_quality

Value: 2.22%

Peer Median: 0.67%

#2486 of 2643 Bottom 6.0% in $100M-$1B

2453

Delinquency Rate

credit_quality

Value: 2.86%

Peer Median: 0.92%

#2453 of 2633 Bottom 6.9% in $100M-$1B

2280

Efficiency Ratio

profitability

Value: 79.95%

Peer Median: 64.48%

#2280 of 2643 Bottom 13.8% in $100M-$1B

2130

Return on Assets

profitability

Value: 0.71%

Peer Median: 1.32%

#2130 of 2643 Bottom 19.4% in $100M-$1B

2031

Total Assets

size

Value: $187.52M

Peer Median: $386.57M

#2031 of 2643 Bottom 23.2% in $100M-$1B