BlastPoint's Banking Scorecard

Union National Bank and Trust Company of Elgin

$100M-$1B Specialty: Commercial IL FDIC cert 3661

Elgin, IL

2 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Union National Bank and Trust Company of Elgin has 5 strengths but faces 4 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

+ Profitability Leader: Top 24.2% in tier
+ Efficiency Ratio 25.59% below tier average
+ Delinquency Rate 0.89% below tier average
+ Non-Interest-Bearing Deposit Share 17.65% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.1% in tier
- Liquidity Overhang: Bottom 27.1% in tier
- Non-Interest Income / Assets 0.28% below tier average
- Net Interest Margin 0.19% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$409.1M +5.1% YoY +8.5% QoQ	+$23.0M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	63%
Total Loans ?	$337.2M +10.6% YoY +4.6% QoQ	+$81.5M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	73%
Total Deposits ?	$365.0M +4.8% YoY +8.5% QoQ	+$37.0M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	2.24% +22.2% YoY +32.6% QoQ	+0.97%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 8.1% in tier
Net Interest Margin ?	3.74% -4.7% YoY -8.2% QoQ	-0.19%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	39.70% +14.5% YoY -3.7% QoQ	-25.59%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 3.9% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	92.38% +5.5% YoY -3.7% QoQ	+15.74%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	39.67% -4.6% YoY -4.5% QoQ	+17.65%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 5.0% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.01% +2.8% YoY +17.0% QoQ	+2.18%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.00%	-0.28%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Bottom 0.4% in tier

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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 (1)

Profitability Leader

growth

#162 of 666 • Top 24.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.24%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Cost Spiral

risk

#1 of 126 • Bottom 0.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 39.70%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Liquidity Overhang

risk

#201 of 739 • Bottom 27.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.01%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.38%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

104

Efficiency Ratio

profitability

Value: 39.70%

Peer Median: 65.29%

#104 of 2664 Top 3.9% in $100M-$1B

135

Non-Interest-Bearing Deposit Share

funding

Value: 39.67%

Peer Median: 22.02%

#135 of 2664 Top 5.0% in $100M-$1B

217

Return on Assets

profitability

Value: 2.24%

Peer Median: 1.27%

#217 of 2664 Top 8.1% in $100M-$1B

502

Tier 1 Capital Ratio

capital

Value: 18.01%

Peer Median: 15.83%

#502 of 2664 Top 18.8% in $100M-$1B

Top Weaknesses (2 metrics)

2654

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.28%

#2654 of 2664 Bottom 0.4% in $100M-$1B

2142

Loan-to-Deposit Ratio

liquidity

Value: 92.38%

Peer Median: 76.64%

#2142 of 2664 Bottom 19.6% in $100M-$1B