BlastPoint's Banking Scorecard
Preferred Bank
Designations: ✓ Community bank
Casey, IL
2 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +5.5% year over year ($67.7M on the books).
- Delinquency rate 4.25%.
- Return on assets 0.27%.
- Efficiency ratio 92.28% vs a 119.40% peer average.
- Loan-to-deposit ratio 69.33% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Preferred Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 27.12% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.77% above tier average
- - Nonperforming Asset Ratio 2.43% above tier average
- - ROA 0.73% below tier average
- - Net Interest Margin 0.65% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.5M
+5.5% YoY
-1.1% QoQ
|
+$11.0M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
61% |
| Total Loans ? |
$46.9M
+3.6% YoY
+1.3% QoQ
|
+$12.0M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$67.7M
+5.5% YoY
-1.1% QoQ
|
+$16.1M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
0.27%
-14.5% QoQ
|
-0.73% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.26%
+3.5% YoY
+0.0% QoQ
|
-0.65% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
92.28%
-8.9% YoY
+1.0% QoQ
|
-27.12% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
16% |
| Delinquency Rate ? |
4.25%
+81.4% YoY
+0.9% QoQ
|
+2.77% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.4% in tier |
| Loan-to-Deposit Ratio ? |
69.33%
-1.8% YoY
+2.5% QoQ
|
-4.88% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
15.03%
-4.7% YoY
-2.0% QoQ
|
-8.46% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
3.27%
+103.4% YoY
+3.0% QoQ
|
+2.43% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 4.3% in tier |
| Tier 1 Capital Ratio ? |
11.78%
-1.8% YoY
+8.8% QoQ
|
-15.34% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.15%
+12.5% YoY
+85.0% QoQ
|
-1.23% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
57% |
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 |
15.0%
-0.7pp YoY -0.3pp QoQ |
-9.6pp | 24.6% | 20.1% | 22.2% | 20% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
39.3%
+0.2pp YoY +1.3pp QoQ |
+25.9pp | 13.4% | 14.7% | 12.5% | 96% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
28.6%
+1.2pp YoY -0.3pp QoQ |
-6.4pp | 35.0% | 28.3% | 31.3% | 47% |
| Consumer |
6.6%
-1.9pp YoY -0.5pp QoQ |
-1.1pp | 7.7% | 5.4% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
-0.2pp YoY +0.9pp QoQ |
-26.9pp | 38.7% | 19.9% | 19.7% | 5% |
| Leverage Ratio |
8.3%
-0.3pp YoY +0.1pp QoQ |
-9.4pp | 17.7% | 12.2% | 12.6% | 4% |
| Total Capital Ratio |
12.4%
-0.2pp YoY +1.0pp QoQ |
-27.3pp | 39.7% | 20.9% | 20.8% | 4% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
-3 (-15.8%) YoY -1 (-5.9%) QoQ |
+4 | 12 | 228 | 482 | 77% |
| Assets per Employee ($) |
$4.6M
+25.3% YoY +5.1% QoQ |
-$1.6M | $6.2M | $8.3M | $8.8M | 30% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-1.4pp YoY -2.5pp QoQ |
-0.8pp | 1.0% | 0.4% | 0.4% | 33% |
| Nonaccrual |
4.1%
+3.3pp YoY +2.5pp QoQ |
+2.4pp | 1.7% | 1.1% | 1.0% | 91% |
| Allowance Coverage |
0.14x
-43.4% YoY -1.2% QoQ |
-6.27x | 6.41x | 5.62x | 20.23x | 2% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 34% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.5%
+3.4pp YoY -0.6pp QoQ |
-2.9pp | 6.4% | 10.5% | 11.6% | 26% |
| Cost of Funds (YTD) |
2.2%
0.0pp YoY 0.0pp QoQ |
+0.7pp | 1.4% | 1.6% | 1.7% | 87% |
| Net Income ($, YTD) |
$99,000
+2375.0% YoY — QoQ |
-$219K | $317,817 | $11.7M | $40.4M | 24% |
Get Full Access to Preferred Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.