BlastPoint's Banking Scorecard
Prairie Community Bank
Marengo, IL
5 branches across IL
Prairie Community Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 28.3% in tier
- - Delinquency Rate 2.11% above tier average
- - Nonperforming Asset Ratio 1.52% above tier average
- - ROA 0.60% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.0M
+5.4% YoY
+1.3% QoQ
|
-$195.1M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$125.2M
+5.9% YoY
+0.2% QoQ
|
-$130.6M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$174.2M
+6.8% YoY
+1.3% QoQ
|
-$153.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
0.67%
+4.0% YoY
-2.5% QoQ
|
-0.60% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
4.01%
+0.4% YoY
-2.0% QoQ
|
+0.08% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
82.85%
-4.3% YoY
-0.9% QoQ
|
+17.56% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate ? | 3.00% | +2.11% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.2% in tier |
| Loan-to-Deposit Ratio ? |
71.85%
-0.8% YoY
-1.0% QoQ
|
-4.78% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
27.27%
-1.2% YoY
+3.3% QoQ
|
+5.25% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
2.16%
+622.8% YoY
+601.1% QoQ
|
+1.52% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.6% in tier |
| Tier 1 Capital Ratio ? |
12.74%
-1.0% YoY
+0.9% QoQ
|
-3.09% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.10%
+8.2% YoY
-71.1% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.