BlastPoint's Banking Scorecard
Preferred Bank
Designations: ✓ Community bank
Casey, IL
2 branches across IL
Preferred Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.84% above tier average
- - Nonperforming Asset Ratio 2.38% above tier average
- - ROA 0.52% below tier average
- - Net Interest Margin 0.60% below tier average
- - Efficiency Ratio 3.04% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$74.2M
+8.9% YoY
+1.3% QoQ
|
+$12.1M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$46.3M
+6.5% YoY
-1.6% QoQ
|
+$12.1M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$68.4M
+9.2% YoY
+1.3% QoQ
|
+$16.7M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
0.31%
+694.2% YoY
+719.9% QoQ
|
-0.52% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.26%
+1.7% YoY
+1.7% QoQ
|
-0.60% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
91.38%
-10.3% YoY
-7.0% QoQ
|
+3.04% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
4.21%
+44.3% YoY
+41.6% QoQ
|
+2.84% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.5% in tier |
| Loan-to-Deposit Ratio ? |
67.66%
-2.5% YoY
-2.8% QoQ
|
+3.45% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
15.34%
-9.8% YoY
+2.3% QoQ
|
-8.37% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
25% |
| Nonperforming Asset Ratio ? |
3.17%
+70.3% YoY
+54.2% QoQ
|
+2.38% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.0% in tier |
| Tier 1 Capital Ratio ? |
10.83%
-12.3% YoY
-6.6% QoQ
|
-15.86% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.8% in tier |
| Non-Interest Income / Assets ? |
0.08%
+35.4% YoY
-69.2% QoQ
|
-0.59% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
61% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.